Relationship Manager-Bharat Business-Bharat Business Loans-Sales

2 days ago

Vellore, Tamil Nadu, India Kotak Mahindra Bank Full time ₹ 5,00,000 - ₹ 10,00,000 per year
Job Description:Key Responsibilities:
  • Business Development:
  • Customer Relationship Management:
  • Credit Assessment:
  • Sales Target Achievement:
  • Market Intelligence:
  • Source new clients through market visits, channel partners, and referrals.
  • Promote LAP and affordable home loan products in the assigned territory.
  • Build and maintain relationships with key stakeholders like builders, real estate agents, and DSA partners.
  • Manage customer lifecycle from lead generation to loan disbursement.
  • Handle client queries and ensure timely resolution.
  • Regularly follow up with existing customers for renewals, cross-sell opportunities, and referrals.
  • Conduct initial credit evaluation and financial analysis of customers.
  • Ensure compliance with company's risk policy and documentation standards.
  • Liaise with credit and operations teams to ensure smooth processing and disbursement of loans.
  • Achieve monthly and quarterly sales targets for LAP and affordable loans.
  • Monitor performance and proactively take corrective actions to ensure goals are met.
  • Keep abreast of market trends, competitor products, and pricing strategies.
  • Provide feedback and insights to the product and marketing teams.
Qualifications:
  • Bachelor's degree in Business Administration, Finance, or related field (MBA preferred)
  • 2-5 years of experience in sales of LAP, home loans, or affordable housing loans
  • Knowledge of local market and customer base
  • Understanding of lending norms, credit assessment, and compliance
Skills Required:
  • Strong interpersonal and communication skills
  • Proven sales and negotiation abilities
  • Customer-centric mindset
  • Ability to work independently and in a team
  • Good knowledge of financial documents and credit underwriting

Kotak Mahindra Bank

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