Relationship Manager-loan Against Property

4 weeks ago

Bengaluru, Karnataka, India Kotak Mahindra Bank Full time

Job Category KMBL Degree Level Bachelor s Degree Job Title Relationship Manager - LAP Designation Manager Department Sales - Loan Against Property Reporting to Area Sales Manager Location Specify Location About Kotak Mahindra Prime Ltd Kotak Mahindra Prime Ltd a subsidiary of Kotak Mahindra Bank is one of India s leading non-banking financial companies NBFCs focused on vehicle and asset-backed financing solutions Operating in a highly competitive NBFC ecosystem we are committed to delivering fast flexible and customer-centric lending solutions Role Objective To drive growth in the Loan Against Property LAP business by sourcing high-quality cases through DSA Direct Selling Agent channels ensuring portfolio health and building strong market relationships Key Responsibilities Business Sourcing - Acquire LAP customers through DSA channels while adhering to internal policies and external regulatory guidelines - Identify and onboard high-potential DSAs and maintain strong working relationships Sales Target Achievement - Meet or exceed assigned monthly and quarterly disbursement and fee income targets - Monitor and drive business volumes in a competitive market maintaining a healthy pipeline Credit Risk Coordination - Liaise with credit and operations teams to ensure smooth file processing and disbursal - Perform initial screening of customer financials and property documents before file submission Market Intelligence Relationship Management - Track competitor offerings pricing and market dynamics - Maintain strong relationships with DSAs customers and internal stakeholders Compliance Documentation - Ensure thorough KYC property valuation and legal documentation as per company standards - Adhere to audit requirements regulatory norms and internal processes Candidate Profile Education Graduate minimum qualification Experience Minimum 3 years of relevant experience in LAP Home Loan SME Lending in the Banking or NBFC sector as a full-time permanent employee Skills - Strong relationship management and interpersonal skills - Understanding of secured lending and property-related documentation - High level of self-motivation with a go-getter attitude - Comfortable working in a high-performance target-driven environment What We Look For A professional who is passionate about sales and willing to go above and beyond Someone who can thrive in a fast-paced competitive landscape with a solution-oriented mindset

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