IDFC FIRST Bank is inviting applications for the position of Associate Relationship Officer under its Rural Banking business unit. This opportunity is open to freshers and candidates with up to 1 year of branch banking experience. If you are looking to build a rewarding career in banking, sales, and customer relationship management, this role is a great entry point.
IDFC FIRST Bank Off Campus Recruitment 2025
| Category | Details |
|---|---|
| Company | IDFC FIRST Bank |
| Job Role | Associate Relationship Officer (ARO) |
| Business Unit | Retail Banking – Rural Banking |
| Function | Rural Sales |
| Location | Karnataka, Chhattisgarh, Odisha, Rajasthan, Gujarat, Madhya Pradesh, Andhra Pradesh |
| Qualification | 12th Pass / Graduate (Any) / Post-graduation (Optional) |
| Experience | 0–1 Year (Freshers Eligible) |
| Skills Required | Customer Service, Sales, Communication, Banking Knowledge |
| Salary (Expected) | ₹2.5 – ₹4.5 LPA |
| Application Mode | Online |
Job Overview
- Job Title: Associate Relationship Officer
- Business Unit: Retail Banking – Rural Banking
- Function: Rural Sales
- Job Location: Karnataka, Chhattisgarh, Odisha, Rajasthan, Gujarat, Madhya Pradesh, Andhra Pradesh
- Category: Others
- Experience Required: 0–1 Year (Freshers can apply)
- Educational Qualification: 12th Pass / Graduate (any discipline). Post-graduation is optional.
- Employment Type: Full-Time
Job Purpose
The Associate Relationship Officer (ARO) role is designed to strengthen household-level relationships in rural areas by offering personalized banking services. The role bearer will:
- Support the Relationship Manager in identifying local business owners, entrepreneurs, and households with financial needs.
- Deepen customer relationships by cross-selling banking products, ensuring high service quality, and driving financial inclusion.
- Focus on customer acquisition and retention to achieve individual and branch-level sales targets.
Key Roles & Responsibilities
- Manage zoning activities to map household financial needs in assigned villages or catchment areas.
- Conduct end-user checks after loan disbursements while meeting monthly and annual group loan targets.
- Evaluate customer requirements and identify opportunities to cross-sell relevant products based on lifestyle and risk profile.
- Drive liabilities business in rural markets by generating leads and opening new accounts.
- Achieve branch and individual sales targets through customer acquisition, referrals, and relationship management.
- Educate and encourage customers to adopt online and digital banking platforms.
- Maintain high loan collections efficiency through disciplined follow-ups.
- Ensure accurate documentation of loans and savings accounts in coordination with operations officers.
- Conduct field audits, customer verifications, and maintain compliance with banking standards.
- Stay updated on bank products, credit policies, and market trends to deliver effective customer service.
- Support community development initiatives and livelihood advancement programs in rural areas.
Skills and Qualifications
- Education:
- Minimum: 12th Pass (any stream)
- Graduation: Any discipline
- Post-graduation: Optional
- Experience:
- 0–1 year in branch banking or sales roles.
- Freshers with strong communication and customer-handling skills are also eligible.
- Key Skills Required:
- Strong customer service orientation.
- Good communication and interpersonal skills.
- Ability to assess financial needs of households and entrepreneurs.
- Basic knowledge of banking products, compliance standards, and documentation.
- Willingness to travel in rural and semi-urban areas.
- Target-driven with problem-solving abilities.
Why Join IDFC FIRST Bank?
- Opportunity to work in the fast-growing Rural Banking sector.
- Gain hands-on exposure to client relationship management and financial sales.
- Be part of a bank that is committed to financial inclusion and rural development.
- Competitive salary with growth opportunities in retail banking.
- Learn and grow under the mentorship of experienced banking professionals.
Salary Details
For the role of Associate Relationship Officer, the expected salary range is approximately:
- ₹2.5 LPA – ₹4.5 LPA (depending on skills, location, and experience).
How to Apply for IDFC FIRST Bank Recruitment 2025
Follow these steps to apply for the Associate Relationship Officer position:
- Visit the official IDFC FIRST Bank careers portal.
- Search for the job opening using the Job Req ID: P-178519.
- Read the job description and eligibility criteria carefully.
- Click on Apply Now and create/login to your candidate account.
- Fill out the application form with accurate details.
- Upload your updated resume and relevant documents.
- Submit the application and wait for communication from the recruitment team.
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About IDFC FIRST Bank
IDFC FIRST Bank is one of India’s leading private sector banks known for its customer-first approach, innovative products, and deep focus on financial inclusion. Through its Rural Banking division, the bank empowers communities by providing financial services in semi-urban and rural areas, helping families and small business owners achieve sustainable growth.