Website:
utkarsh.bank.in
Job details:
Company Description Utkarsh Small Finance Bank Limited (USFBL) is a regulated small finance bank, incorporated in 2016 and headquartered in Varanasi, Uttar Pradesh. The bank focuses on providing accessible banking and financial services to underserved and unserved sections of the country, with lending activities concentrated in rural and semi-urban areas. It offers a wide range of products including microfinance loans under the Joint Liability Group (JLG) model, MSME loans, housing loans, personal loans, commercial vehicle loans, construction equipment loans, and wholesale lending. Utkarsh Small Finance Bank also provides comprehensive digital services such as internet and mobile banking, online account opening, and access to ATMs and micro ATMs to enhance customer convenience. The bank builds on a strong legacy of microfinance through its predecessor, Utkarsh Micro Finance Limited, now Utkarsh CoreInvest Limited.
Role Description This is a full-time, on-site Relationship Officer role based in Delhi, India. The Relationship Officer will be responsible for acquiring and managing customer relationships, promoting banking products and services, and supporting customers with their loan and deposit requirements. Daily tasks include meeting prospective and existing clients, understanding their financial needs, explaining suitable products, completing documentation, and coordinating with internal teams to ensure smooth onboarding and service delivery. The role involves monitoring customer accounts, addressing service issues promptly, cross-selling appropriate products, and ensuring compliance with bank policies and regulatory guidelines. The Relationship Officer will also support branch business targets by contributing to sales initiatives and local outreach activities.
Qualifications
- Candidates should possess strong Business Relationship Management skills to build, grow, and retain customer relationships.
- Candidates should possess foundational Finance knowledge to understand banking products, lending norms, and basic credit principles.
- Candidates should possess effective Communication and Customer Service skills to engage with clients, resolve queries, and provide clear, respectful support.
- Candidates should possess Sales capabilities to identify customer needs, pitch suitable products, and achieve branch business targets responsibly.
- Relevant qualifications such as a bachelor’s degree in finance, business, commerce, or a related field are preferred.
- Prior experience in retail banking, microfinance, or financial services, especially in customer-facing roles, will be an advantage.
- Ability to work in a target-driven environment, strong ethical standards, and familiarity with local market dynamics in Delhi are beneficial.
- Basic computer literacy and comfort with digital banking platforms and mobile applications are desirable.
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