Relationship Manager-Loan Against Property

2 days ago

Tirunelveli, Tamil Nadu, India Kotak Mahindra Bank Full time ₹ 6,00,000 - ₹ 12,00,000 per year

Job Description

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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