Associate Relationship Officer | IDFC FIRST Bank | India

IDFC FIRST Bank is hiring Associate Relationship Officers (ARO) in its Rural/Retail Banking business across multiple locations in India. The role focuses on field‑based customer acquisition, rural relationship management, and driving loan and liability business for the assigned branch and catchment area. Job Id P-186350.

Key responsibilities

• Identify rural households, small businesses, and micro‑entrepreneurs in the allocated villages and assess their loan and banking needs.
• Generate new business through village‑level zoning, field visits, lead generation, referrals, and local campaigns.
• Promote rural banking products such as business loans, group loans, savings and current accounts, and cross‑sell suitable products based on customer profile.
• Conduct end‑use checks post disbursal, follow up for repayments, and maintain high collection efficiency and portfolio quality.
• Ensure accurate documentation, coordinate with operations for timely data entry, and comply with all IDFC FIRST Bank policies and regulatory guidelines.
• Encourage customers to adopt digital and online banking channels for routine transactions.

Educational qualification and experience

• Educational qualifications:

  • Minimum: 12th pass (any stream).
  • Preferred: Graduate in any discipline; post‑graduation is optional.

• Experience requirements:

  • 0–1 years of relevant branch or field‑sales banking experience; freshers are encouraged to apply.
• Ideal profile: Candidates with strong interpersonal skills, local language ability, and comfort with extensive field work in rural or semi‑urban areas.

How to apply – official IDFC FIRST Bank careers page

To view the full, most updated job description and submit your application, use the official IDFC FIRST Bank careers link for this role:

• Official job & application link:
  https://careers.idfcfirstbank.com/in/en/job/P-186350/Associate-Relationship-Officer

You should apply only through the company’s official careers portal or any other channel specifically mentioned on that page. GrowInJob.com does not collect CVs, does not conduct hiring, and does not charge candidates any fees; it simply helps you discover verified job opportunities by curating information from public sources.

GrowInJob.com advice for candidates

• Be ready for intensive field work: ARO roles involve daily travel to villages, markets, and customer locations; assess your comfort with outdoor sales, local transport, and weather conditions before applying.
• Leverage your local roots: Highlight knowledge of nearby villages, community networks, and proficiency in local languages—these greatly improve your effectiveness in rural banking.
• Showcase sales mindset with ethics: In interviews, prepare examples where you met or exceeded sales targets without mis‑selling, and how you handled difficult collection or customer situations.
• Understand incentives and pressure: Front‑line sales roles in private banks often have aggressive targets and variable pay; reflect on your long‑term comfort with performance‑based culture before committing.

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