Muthoot Finance Ltd. is inviting applications from eligible graduates for the role of Junior Relationship Executive (JRE). This opportunity is well-suited for freshers as well as candidates who have some basic experience in areas like sales or operations and are looking to start or grow their career in the banking and financial services industry.
In this role, selected candidates will be involved in day-to-day branch activities and will interact directly with customers to understand their needs. Their responsibilities will include assisting customers with financial services, handling loan-related processes, and ensuring smooth branch operations.
They will also support the team in achieving business targets by contributing to customer acquisition and service improvement efforts. This position provides practical exposure to financial operations and helps build a strong foundation for a long-term career in the sector.
Key Highlight:
Company: Muthoot Finance Ltd.
Role: Junior Relationship Executive (JRE) / Back Office Executive
Experience: 0 – 4 Years
Salary: ₹2.25 – 3.5 LPA (₹18,000 per month + Incentives + Benefits)
Job Type: Full Time, Permanent
Industry: Financial Services / Banking Operations
Department: BFSI, Investments & Trading
Job Locations: Krishnagar, Salar, Jaigaon, Nabadwip
Key Responsibilities
- Managing daily branch operations: Take care of routine tasks at the branch to ensure everything runs smoothly. This includes maintaining records, supporting team activities, and following company procedures.
- Handling customer interactions and resolving queries: Communicate with customers in a polite and professional manner. Listen to their concerns, answer their questions clearly, and provide suitable solutions.
- Explaining loan schemes and financial products: Guide customers about gold loan options, interest rates, repayment terms, and other services offered by the company in a simple and understandable way.
- Gold verification and loan processing support:
Assist in checking and verifying gold as per company guidelines and support the team in completing loan approval and disbursement processes. - Cash handling and documentation: Manage cash transactions carefully and maintain accurate records. Ensure all required documents are properly collected, checked, and filed.
- Cross-selling products and services: Identify customer needs and suggest relevant financial products or services that may benefit them, while maintaining ethical practices.
- Promotional and marketing activities: Participate in branch-level marketing efforts such as local promotions, customer outreach, and awareness activities to attract new customers.
- Customer follow-up and relationship management: Stay in touch with customers through calls or messages to provide updates, remind them about payments, and build long-term relationships.
- Supporting business and operational goals: Assist the team in achieving branch targets by contributing to both operational efficiency and business growth activities.
Eligibility Criteria
- Educational Qualification: Candidates must have completed a regular graduation degree from a recognized college or university. Only full-time degree courses are accepted.
- Courses Not Eligible: Candidates with degrees such as B.Tech, BE, or LLB are not eligible for this role. Additionally, those who have completed their graduation through distance learning or open universities will not be considered.
- Work Experience: Applicants with at least 6 months of experience in sales or operations will be given preference. However, fresh graduates who are eager to learn and start their career can also apply.
- Language Skills: It is important for candidates to be comfortable speaking and understanding the local language, as the role involves regular interaction with customers from the nearby area.
- Local Residency: Candidates should be from the same local area or nearby location to ensure easy travel and better understanding of the customer base.
- Computer Knowledge: Basic knowledge of computers is required, including the ability to handle simple tasks like data entry and using standard office tools.
- Age Limit: Applicants should be below 28 years of age at the time of applying.
Educational Qualification
Candidates who have completed their graduation in any of the following fields are eligible to apply for this opportunity. Applicants with a Bachelor of Commerce (B.Com) degree, who have studied subjects related to finance, accounting, and business, can apply. Those who have completed a Bachelor of Arts (B.A), covering various humanities and social science subjects, are also considered suitable.
Graduates with a Bachelor of Science (B.Sc) degree in any specialization are eligible as well. In addition, candidates holding a Bachelor of Business Administration (BBA) or Bachelor of Management Studies (BMS), which focus on business management and organizational skills, can apply for this role.
Applicants who have completed a Bachelor of Computer Applications (BCA), which involves computer science and IT-related subjects, are also welcome. Furthermore, candidates with a Bachelor of Hotel Management (BHM) degree, who have knowledge of hospitality and service management, are eligible to apply.
Overall, candidates from these educational backgrounds can submit their applications, provided they meet the other required criteria for the position.
Required Skills
To perform well in this role, candidates should have a basic understanding of several important skills related to customer service, banking, and business operations. Good customer service skills are essential, as the job may involve interacting with customers, understanding their needs, and providing helpful solutions in a polite and professional manner.
Knowledge of branch operations and banking processes is also important. This includes understanding how daily activities in a branch are handled, such as account-related services, transactions, and general customer support. Candidates should also have some familiarity with finance and loan processing, which involves handling financial documents, verifying details, and assisting with loan-related procedures.
Strong customer handling skills are required to manage different types of customer queries and concerns effectively. In addition, basic knowledge of sales and marketing can be helpful, as the role may involve promoting services or guiding customers about available products.
Candidates should also be comfortable with back office operations, which include maintaining records, managing data, and supporting internal processes. Skills in business development are beneficial, as they help in identifying opportunities to improve services and grow the business.
A general understanding of financial services will be an added advantage, as it helps in performing tasks more efficiently. Lastly, candidates must have basic computer skills, including the ability to work with common software, manage data, and perform routine digital tasks required for the job.
Salary & Benefits
Selected candidates will receive a fixed monthly salary of ₹18,000, which will be provided on a regular basis as per company policies. In addition to the fixed pay, candidates may also earn attractive incentives based on their performance, targets achieved, or overall contribution to the organization.
The company may offer additional benefits, which can include support programs, allowances, or other perks as per internal guidelines. This role also provides good career growth opportunities in the BFSI (Banking, Financial Services, and Insurance) sector, allowing candidates to gain valuable experience and develop their professional skills over time.
Furthermore, employees will get the chance to work in a professional and structured work environment, where they can learn industry practices, improve their communication and technical abilities, and build a strong foundation for future career advancement.
About the Company – Muthoot Finance Ltd.
Muthoot Finance Ltd. is the main company of the well-known Muthoot Group. It was established in the year 1939 by Shri M. George Muthoot and has grown into one of the most trusted financial service providers in India.
Over the years, the company has built a strong reputation for reliability, transparency, and customer-focused services.
The organization has received several recognitions for its work culture and customer trust. It is a Great Place To Work in a Certified company and has been ranked as India’s No. 1 Most Trusted Financial
Services Brand for eight consecutive years starting from 2016, as per TRA’s Brand Trust Report 2024. These achievements reflect the company’s commitment to maintaining high standards in both employee satisfaction and customer service.
Muthoot Finance focuses on making financial services accessible to people from all sections of society. With this goal, the company has gained the trust of millions of customers across the country.
It is currently recognized as India’s largest gold loan provider and also the largest gold loan company in the world.
The company is listed on major stock exchanges such as the Bombay Stock Exchange (BSE) and the National Stock Exchange (NSE), and it operates under the regulations of the Reserve Bank of India (RBI).
Muthoot Finance has a wide network of more than 7,500 branches and is supported by a workforce of over 50,000 employees, serving customers both in India and internationally.
In addition to gold loan services, the company offers a range of other financial products and services. These include the sale of gold coins, money transfer facilities, insurance services, foreign currency exchange, PAN card assistance, Non-Convertible Debentures (NCDs), and Demat account services.
This wide range of offerings helps meet the diverse financial needs of its customers under one platform.
How to Apply for Junior Relationship Executive | Muthoot Finance Ltd. 2026?
Interested and eligible candidates can can apply by sending their updated Biodata/Resume to:
📧 HRSGR@MUTHOOTGROUP.COM
For More Details :
Interview Tips for Junior Relationship Executive – Muthoot Finance Ltd.
Preparing for a Junior Relationship Executive interview becomes much easier when you focus on a few practical areas. The role mainly involves dealing with customers, handling basic financial services, and supporting branch operations, so your preparation should reflect that.
Start by learning about the company. Understand what Muthoot Finance does, especially its gold loan services and other financial products. You don’t need deep technical knowledge, but having a clear idea about their services shows genuine interest and awareness.
Work on your communication skills. In this role, you will be interacting with customers daily, so speak clearly, politely, and confidently during the interview. Try to answer questions in a simple and structured way rather than giving long or confusing responses.
Be ready for basic questions related to customer handling. For example, how you would deal with an unhappy customer or how you would explain a service to someone new. Interviewers want to see your attitude, patience, and problem-solving approach more than perfect answers.
It also helps to have a basic understanding of banking and finance. You should know simple concepts like loans, interest, and customer service processes. If you are a fresher, focus on showing your willingness to learn rather than trying to sound overly technical.
Dress in a clean and professional manner. First impressions matter, especially in customer-facing roles. Arriving on time and maintaining a positive body language can make a strong impact.
Carry all your important documents, such as your resume, educational certificates, ID proof, and passport-size photos. Keeping everything organized shows that you are serious and prepared.
Lastly, be honest in your answers. If you don’t know something, it is better to admit it politely and express your interest in learning. A positive attitude, basic knowledge, and good communication skills can greatly increase your chances of selection.
Disclaimer
This job information is shared only for general awareness and informational purposes. We are not a recruitment agency and do not have any direct connection with Muthoot Finance Ltd. or its hiring team. All details such as job role, salary, eligibility, and location are based on available information and may change at the discretion of the company.
Candidates are advised to visit the official website of Muthoot Finance Ltd. or contact the company directly to verify complete and updated details before applying. We do not charge any fee for providing this information, and we strongly recommend that applicants do not pay money to anyone for job opportunities.
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