4725 Lap Jobs - Page 38

JD - Relationship Manager-Bharat Business The Relationship Manager LAP & Affordable Loans is responsible for sourcing new customers and managing existing relationships to grow the Loan Against Property (LAP) and Affordable Housing Loan portfolio. The role involves business development, credit analysis, and providing exceptional customer service to ensure high customer satisfaction and retention. Key Responsibilities: Business Development: o Source new clients through market visits, channel partners, and referrals. o Promote LAP and affordable home loan products in the assigned territory. o Build and maintain relationships with key stakeholders like builders, real estate agents, and DSA partners. Customer Relationship Management: o Manage customer lifecycle from lead generation to loan disbursement. o Handle client queries and ensure timely resolution. o Regularly follow up with existing customers for renewals, cross-sell opportunities, and referrals. Credit Assessment: o Conduct initial credit evaluation and financial analysis of customers. o Ensure compliance with companys risk policy and documentation standards. o Liaise with credit and operations teams to ensure smooth processing and disbursement of loans. Sales Target Achievement: o Achieve monthly and quarterly sales targets for LAP and affordable loans. o Monitor performance and proactively take corrective actions to ensure goals are met. Market Intelligence: o Keep abreast of market trends, competitor products, and pricing strategies. o Provide feedback and insights to the product and marketing teams. 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

JD - Relationship Manager-Bharat Business The Relationship Manager LAP & Affordable Loans is responsible for sourcing new customers and managing existing relationships to grow the Loan Against Property (LAP) and Affordable Housing Loan portfolio. The role involves business development, credit analysis, and providing exceptional customer service to ensure high customer satisfaction and retention. Key Responsibilities: Business Development: o Source new clients through market visits, channel partners, and referrals. o Promote LAP and affordable home loan products in the assigned territory. o Build and maintain relationships with key stakeholders like builders, real estate agents, and DSA partners. Customer Relationship Management: o Manage customer lifecycle from lead generation to loan disbursement. o Handle client queries and ensure timely resolution. o Regularly follow up with existing customers for renewals, cross-sell opportunities, and referrals. Credit Assessment: o Conduct initial credit evaluation and financial analysis of customers. o Ensure compliance with companys risk policy and documentation standards. o Liaise with credit and operations teams to ensure smooth processing and disbursement of loans. Sales Target Achievement: o Achieve monthly and quarterly sales targets for LAP and affordable loans. o Monitor performance and proactively take corrective actions to ensure goals are met. Market Intelligence: o Keep abreast of market trends, competitor products, and pricing strategies. o Provide feedback and insights to the product and marketing teams. 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

Key area of operations are managing disbursements of :-Grade M1 Personal / business loan Commercial vehicle loans Tractor finance. Commercial Vehical Loan Brief job descriptions :- Understanding on various Retail Asset Products (Consumer & Commercial PL, BL, OD, HF, LAP, CV, LCV, CE, TFE,) Preferably, experience in handling project workflows and exposure to retail assets. Good verbal and written communication skills Having 1 -2 yrs of experience in handling similar products. Should be hands on in excel operation with good typing speed. Should be able to follow banks guidelines and be open to learning new processes and system. Should be an effective team member of RA-Ops to handle loan disbursement

The Relationship Manager LAP & Affordable Loans is responsible for sourcing new customers and managing existing relationships to grow the Loan Against Property (LAP) and Affordable Housing Loan portfolio. The role involves business development, credit analysis, and providing exceptional customer service to ensure high customer satisfaction and retention. Key Responsibilities: Business Development: o Source new clients through market visits, channel partners, and referrals. o Promote LAP and affordable home loan products in the assigned territory. o Build and maintain relationships with key stakeholders like builders, real estate agents, and DSA partners. Customer Relationship Management: o Manage customer lifecycle from lead generation to loan disbursement. o Handle client queries and ensure timely resolution. o Regularly follow up with existing customers for renewals, cross-sell opportunities, and referrals. Credit Assessment: o Conduct initial credit evaluation and financial analysis of customers. o Ensure compliance with companys risk policy and documentation standards. o Liaise with credit and operations teams to ensure smooth processing and disbursement of loans. Sales Target Achievement: o Achieve monthly and quarterly sales targets for LAP and affordable loans. o Monitor performance and proactively take corrective actions to ensure goals are met. Market Intelligence: o Keep abreast of market trends, competitor products, and pricing strategies. o Provide feedback and insights to the product and marketing teams. 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

Area Sales Manager Roles & Responsibilities Products include Vishwas HL and LAP Coach and lead a team of relationship managers to achieve business targets (Volume, Cross-sell, Insurance etc.) Manage, develop and enhance deepening of the relationship with Channels (Kotak Branches, DSA, Builder) Responsible for achieving team targets and sales volume. Ensuring team productivity along with location productivity Ensure customer satisfaction as measured trough NPS metrics Effective management of working relationships (e.g. Credit, Operations, Legal, Technical etc.) to drive business outcomes Responsible for cross sell of CASA and TPP. Administer and ensure compliance to all business practices. Person Requirements Professionals with minimum 5 years of experience Good interpersonal and relationship building skills Influencing skills for driving business with both internal and external channel partners Knowledge of secured banking products is preferred

JD - Relationship Manager-Bharat Business The Relationship Manager LAP & Affordable Loans is responsible for sourcing new customers and managing existing relationships to grow the Loan Against Property (LAP) and Affordable Housing Loan portfolio. The role involves business development, credit analysis, and providing exceptional customer service to ensure high customer satisfaction and retention. Key Responsibilities: Business Development: o Source new clients through market visits, channel partners, and referrals. o Promote LAP and affordable home loan products in the assigned territory. o Build and maintain relationships with key stakeholders like builders, real estate agents, and DSA partners. Customer Relationship Management: o Manage customer lifecycle from lead generation to loan disbursement. o Handle client queries and ensure timely resolution. o Regularly follow up with existing customers for renewals, cross-sell opportunities, and referrals. Credit Assessment: o Conduct initial credit evaluation and financial analysis of customers. o Ensure compliance with companys risk policy and documentation standards. o Liaise with credit and operations teams to ensure smooth processing and disbursement of loans. Sales Target Achievement: o Achieve monthly and quarterly sales targets for LAP and affordable loans. o Monitor performance and proactively take corrective actions to ensure goals are met. Market Intelligence: o Keep abreast of market trends, competitor products, and pricing strategies. o Provide feedback and insights to the product and marketing teams. 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

Manage sales and distribution through the cross channel and open market channels Ensure unilateral growth by adding new DSAs / Branches Manage and grow the Direct Sales team and focus on increased Productivity Marketing and encashing catchment areas Meeting HNI clients and explaining various products related to Loan against property/HF Responsible for Builder relations and Builder Tie Ups to focus on Primary Markets Responsible for Project approvals of Builders Ensure additional revenue generation through cross sell & Multi selling of Insurance, CASA , Credit Cards etc. Training & Development of the DST Team and DSAs Liasoning with Internal teams for business like Credit, Legal, Technical, RCU & Operations Responsible for end to end processing of the case and updating the status of the same to the customers. Ensuring Top Class service for Customers for better NPS Scores. Job Requirements: Qualification- Graduate / MBA

The Relationship Manager LAP & Affordable Loans is responsible for sourcing new customers and managing existing relationships to grow the Loan Against Property (LAP) and Affordable Housing Loan portfolio. The role involves business development, credit analysis, and providing exceptional customer service to ensure high customer satisfaction and retention. 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 companys 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: Bachelors 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

The Relationship Manager LAP & Affordable Loans is responsible for sourcing new customers and managing existing relationships to grow the Loan Against Property (LAP) and Affordable Housing Loan portfolio. The role involves business development, credit analysis, and providing exceptional customer service to ensure high customer satisfaction and retention. 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 companys 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: Bachelors 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

The Relationship Manager LAP & Affordable Loans is responsible for sourcing new customers and managing existing relationships to grow the Loan Against Property (LAP) and Affordable Housing Loan portfolio. The role involves business development, credit analysis, and providing exceptional customer service to ensure high customer satisfaction and retention. Key Responsibilities: Business Development: o Source new clients through market visits, channel partners, and referrals. o Promote LAP and affordable home loan products in the assigned territory. o Build and maintain relationships with key stakeholders like builders, real estate agents, and DSA partners. Customer Relationship Management: o Manage customer lifecycle from lead generation to loan disbursement. o Handle client queries and ensure timely resolution. o Regularly follow up with existing customers for renewals, cross-sell opportunities, and referrals. Credit Assessment: o Conduct initial credit evaluation and financial analysis of customers. o Ensure compliance with companys risk policy and documentation standards. o Liaise with credit and operations teams to ensure smooth processing and disbursement of loans. Sales Target Achievement: o Achieve monthly and quarterly sales targets for LAP and affordable loans. o Monitor performance and proactively take corrective actions to ensure goals are met. Market Intelligence: o Keep abreast of market trends, competitor products, and pricing strategies. o Provide feedback and insights to the product and marketing teams. 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

Job Responsibilities:- The HF trainer will be responsible for leading Pan India training initiatives for the HF Channel Manage learning and development objectives of the HF businesses Collaborate with the internal stakeholders for a thorough Training Need Analysis (TNA) to design and curation of effective, technology-enabled learning solutions and content Enable continuous learning across the talent lifecycle through the interplay of live and digital learning Ensure excellent participant learning experience through delivery and seek feedback and measure business impact regularly to determine training effectiveness Build and maintain monthly training calendars, training records, attendance and manage the administrative requirements of the training program. Perform administrative tasks such as scheduling classes, setting up of systems/equipment and coordinate with the learners for enrolments in the batches Conduct training programs with the goal of improvements in sales metrics such as productivity, SOP achievement in lines with customer centricity Ensure right solution providing behaviour, ethics and practices are embedded through the training imparted in with the business goals, standards and regulations Regular updates to the business in terms of feedbacks received from the training sessions including competition benchmarking, managing rejections Ensure 100% completion of Job Ready parameters (LMS Course Tracking, Induction Attendance, Induction Assessments) and share weekly updates with the business Travel to field and other business locations as required Ensure on-going skilling of trainers for effective delivery Experience:- Min 4-5 years of experience in Mortgage background with a good understanding of Sales. Skills to be proficient in:- Good stakeholder management, influencing skills. Should have good English speaking skills (mandatory) Good analytical skills and a do what it takes to get job done attitude

JD - Relationship Manager-Bharat Business The Relationship Manager LAP & Affordable Loans is responsible for sourcing new customers and managing existing relationships to grow the Loan Against Property (LAP) and Affordable Housing Loan portfolio. The role involves business development, credit analysis, and providing exceptional customer service to ensure high customer satisfaction and retention. Key Responsibilities: Business Development: o Source new clients through market visits, channel partners, and referrals. o Promote LAP and affordable home loan products in the assigned territory. o Build and maintain relationships with key stakeholders like builders, real estate agents, and DSA partners. Customer Relationship Management: o Manage customer lifecycle from lead generation to loan disbursement. o Handle client queries and ensure timely resolution. o Regularly follow up with existing customers for renewals, cross-sell opportunities, and referrals. Credit Assessment: o Conduct initial credit evaluation and financial analysis of customers. o Ensure compliance with companys risk policy and documentation standards. o Liaise with credit and operations teams to ensure smooth processing and disbursement of loans. Sales Target Achievement: o Achieve monthly and quarterly sales targets for LAP and affordable loans. o Monitor performance and proactively take corrective actions to ensure goals are met. Market Intelligence: o Keep abreast of market trends, competitor products, and pricing strategies. o Provide feedback and insights to the product and marketing teams. 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

Job TitleRelationship Manager LAP DesignationManager DepartmentSales Loan Against Property Reporting toArea Sales Manager Location[Specify Location] About Kotak Mahindra Prime Ltd. Kotak Mahindra Prime Ltd., a subsidiary of Kotak Mahindra Bank, is one of Indias 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.

JD - Relationship Manager-Bharat Business The Relationship Manager LAP & Affordable Loans is responsible for sourcing new customers and managing existing relationships to grow the Loan Against Property (LAP) and Affordable Housing Loan portfolio. The role involves business development, credit analysis, and providing exceptional customer service to ensure high customer satisfaction and retention. Key Responsibilities: Business Development: o Source new clients through market visits, channel partners, and referrals. o Promote LAP and affordable home loan products in the assigned territory. o Build and maintain relationships with key stakeholders like builders, real estate agents, and DSA partners. Customer Relationship Management: o Manage customer lifecycle from lead generation to loan disbursement. o Handle client queries and ensure timely resolution. o Regularly follow up with existing customers for renewals, cross-sell opportunities, and referrals. Credit Assessment: o Conduct initial credit evaluation and financial analysis of customers. o Ensure compliance with companys risk policy and documentation standards. o Liaise with credit and operations teams to ensure smooth processing and disbursement of loans. Sales Target Achievement: o Achieve monthly and quarterly sales targets for LAP and affordable loans. o Monitor performance and proactively take corrective actions to ensure goals are met. Market Intelligence: o Keep abreast of market trends, competitor products, and pricing strategies. o Provide feedback and insights to the product and marketing teams. 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

Area Sales Manager Roles & Responsibilities Products include Vishwas HL and LAP Coach and lead a team of relationship managers to achieve business targets (Volume, Cross-sell, Insurance etc.) Manage, develop and enhance deepening of the relationship with Channels (Kotak Branches, DSA, Builder) Responsible for achieving team targets and sales volume. Ensuring team productivity along with location productivity Ensure customer satisfaction as measured trough NPS metrics Effective management of working relationships (e.g. Credit, Operations, Legal, Technical etc.) to drive business outcomes Responsible for cross sell of CASA and TPP. Administer and ensure compliance to all business practices. Person Requirements Professionals with minimum 5 years of experience Good interpersonal and relationship building skills Influencing skills for driving business with both internal and external channel partners Knowledge of secured banking products is preferred

Relationship Manager-Loan Against Property Location Mumbai Reporting Relationships Location Manager The Loan Against Property (LAP) Business vertical is the part of Secured Assets division of the Consumer Bank. This vertical specializes in acquiring retail customers for funding against Residential, Commercial & Industrial Properties. We also provide loans for purchase of Commercial Properties and funding with Lease Rental Discounting. The target customer segment is small & medium traders, manufacturers & service provides and self-employed professionals. We have recently started funding Salaried customers also. The vertical has Pan India presence with coverage in most of the major towns of the country. The Sales team comprises Relationship Managers (RMs) who are responsible for acquiring LAP customers from various channels i.e. Direct Marketing Agents, Direct Sales Teams, Branch Banking & Other Group Businesses etc. Manage sales for Loan against Property business from cross channel and open market Manage sales and distribution through the cross channel and open market channels Ensure unilateral growth by adding new Branches Manage and grow the Direct Sales team and focus on increased Productivity Marketing and encashing catchment areas Meeting HNI clients and explaining various products related to Loan against property/HF/ Working capital. Responsible for Builder relations and Builder Tie Ups to focus on Primary Markets Responsible for Project approvals of Builders Ensure additional revenue generation through cross sell & Multi selling of Insurance, CASA , Credit Cards etc. Training & Development of the DST Team and DSAs Liasoning with Internal teams for business like Credit, Legal, Technical, RCU & Operations Responsible for end to end processing of the case and updating the status of the same to the customers. Ensuring Top Class service for Customers for better NPS Scores Experience in SECURED LOAN SALES is Must Job Requirements: Qualification - Graduate / MBA Skills & Experience Minimum 2 years work experience in Home Loan /Mortgage Sales with DMA/DST/Bank Branches Customer relationship management skills Sales and service orientation

Area Sales Manager-Loan Against Property Location Mumbai Reporting Relationships Location Sales Manager The Loan Against Property (LAP) Business vertical is the part of Secured Assets division of the Consumer Bank. This vertical specializes in acquiring retail customers for funding against Residential, Commercial & Industrial Properties. We also provide loans for purchase of Commercial Properties and funding with Lease Rental Discounting. The target customer segment is small & medium traders, manufacturers & service provides and self-employed professionals. We have recently started funding Salaried customers also. The vertical has Pan India presence with coverage in most of the major towns of the country. The Sales team comprises Relationship Managers (RMs) who are responsible for acquiring LAP customers from various channels i.e. Direct Marketing Agents, Direct Sales Teams, Branch Banking & Other Group Businesses etc. ASM will be responsible for managing entire region business. Evolve & operationalize sales plan to achieve volume, SoH and market share targets. Monitoring market & competition, identifying & quantifying new markets/channels for growth. Channel Management Assessment ,appointment and performance management of distributors to drive growth in volumes and SoH. Provide an environment full of energy, excitement, fairness & opportunities to team members to help them grow and develop, in line with the Kotak DNA. Maintain high caliber customer service own the NPS for the region. Ensure timely execution & disposal of quality proposals by down the lines Relationship mangers/ Location Sales Managers. Drive functional synergies amongst various functions of Business, Credit , Technical, Legal, Ops & Collections. Performance Review Conduct weekly/monthly/quarterly review of individual / Cluster performance and take corrective actions Marketing Initiatives Develop and implement effective marketing activities to improve revenue by enhancing customer experience/retention. Qualification - Graduate / MBA Skills & Experience Minimum 10-12 yearsof experience in Sales management. Experience in Mortgagepreferred Assertive and passionate individual with a natural flair for sales/Business. High drive for results, strong work ethic, relationship management and negotiation skills.

Relationship Manager LAP (Loan Against Property) & Affordable Loans : The Relationship Manager LAP & Affordable Loans is responsible for sourcing new customers and managing existing relationships to grow the Loan Against Property (LAP) and Affordable Housing Loan portfolio. The role involves business development, credit analysis, and providing exceptional customer service to ensure high customer satisfaction and retention. 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 companys 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: Bachelors 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

Relationship Manager Prime Vishwaas Sales M1 Job role & Responsibilities: Manage Auto loan through Car Dealers, Direct Sales Agents & Direct Sales Teams Empanelment of New car Dealers, DSA & DST in the Market Accountable for sales performance & Productivity of team Conduct Training for all the channels & Team on Product, Policy & Market Changes Manage Business Promotional activities with Channels Responsible for tracking channels & Team for Quality sourcing & Healthy portfolio Interact with credit team, & Get business approvals Keep close watch on competitor product, Policy & Market strategy Deliverables : Recruit, Train & Motivate channel sales team achieve sales targets Guide channel sales team & introduce clients to them Maintain knowledge on all bank product & series & assist to resolve customer queries Develop new relationships with customers to increase revenue & accounts

Relationship Manager LAP (Loan Against Property) & Affordable Loans : The Relationship Manager LAP & Affordable Loans is responsible for sourcing new customers and managing existing relationships to grow the Loan Against Property (LAP) and Affordable Housing Loan portfolio. The role involves business development, credit analysis, and providing exceptional customer service to ensure high customer satisfaction and retention. 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 companys 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: Bachelors 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

BRIEF 1. The candidate must be fluent in English and Hindi (both reading and writing). Knowledge of additional language would be a plus. 2. Under pressure, the candidate must be able to work independently with minimum supervision. 3. Candidate must be familiar with the provisions of the law (Specially IBC / SARFAESI / NCLT / Immovable Properties). 4. Candidate must be process oriented and confident to tackle / deal with the legal issues which challenge the Company. 5. Candidate must be a team player. Key Responsibilities 1.Reviewing finance facility agreements and related documents. 2.Conduct due diligence of properties which the company intends to take mortgage. 3.Provide legal advice or opinion on matters and issues. 4. To provide opinion on Title Search Reports of Immovable Properties. Education EducationalQualifications:Graduate degree inLaw, as regular full time student, from a recognized university. Candidates with Post Graduate Degree in Law shall be given preference. Post Qualification Experience:Experience in finance industry, preferably in banking and finance sector,with a proven track record. Proven track record of adding value to anorganizationthrough the development of comprehensive contract documents that mitigate risk. Legal Documentation 1.Independently drafting, reviewing, negotiating and closing the banking legal documents like loan, security, assignment,securitization, other Finance related Documents etc. and providing ongoing support to business teams 2.Review and provide legal advice to the business teams with respect to the documentation. 3.Able to manage complete legal documentations with respect to banking transactions. 4.Understand the products proposed by business teams and advise on the legal framework applicable to such products; 5.Liaise with relevant departments to ensure that where legal risks have been identified, appropriate courses of action have been taken;

JD For Credit Manager Loan Underwriting Handling secured, unsecured and working capital and LAP Evaluate and process end to end Loan applications within agreed TAT timelines. Timely clearance of open audit queries, quality control checks Timely completion of Vendor Management related activities Providing support to Business Plan through quick turnaround of New and Existing proposals and work with team to optimize returns while remaining within Risk Appetite Conducting stock audits as per the Stock audit plan through empanelled vendors. Analyzing/ Reviewing the reports received and highlighting the observations to the Management and taking necessary action. Handling different MISs of Portfolio. Monitoring churning and overdue in accounts. Processing bills of empaneled vendors for service rendered. Coordinating with empaneled vendors and resolving issues (if any). Coordinating with Business team, Credit teams, etc as per the requirement. Other related activities. Approve or reject loan requests, based on credibility and potential revenues and losses Calculate and set interest rates Negotiate loan terms with clients Monitor payments Maintain records of loan applications

Relationship Manager-Loan Against Property Location Mumbai Reporting Relationships Location Manager The Loan Against Property (LAP) Business vertical is the part of Secured Assets division of the Consumer Bank. This vertical specializes in acquiring retail customers for funding against Residential, Commercial & Industrial Properties. We also provide loans for purchase of Commercial Properties and funding with Lease Rental Discounting. The target customer segment is small & medium traders, manufacturers & service provides and self-employed professionals. We have recently started funding Salaried customers also. The vertical has Pan India presence with coverage in most of the major towns of the country. The Sales team comprises Relationship Managers (RMs) who are responsible for acquiring LAP customers from various channels i.e. Direct Marketing Agents, Direct Sales Teams, Branch Banking & Other Group Businesses etc. Manage sales for Loan against Property business from cross channel and open market Manage sales and distribution through the cross channel and open market channels Ensure unilateral growth by adding new Branches Manage and grow the Direct Sales team and focus on increased Productivity Marketing and encashing catchment areas Meeting HNI clients and explaining various products related to Loan against property/HF/ Working capital. Responsible for Builder relations and Builder Tie Ups to focus on Primary Markets Responsible for Project approvals of Builders Ensure additional revenue generation through cross sell & Multi selling of Insurance, CASA , Credit Cards etc. Training & Development of the DST Team and DSAs Liasoning with Internal teams for business like Credit, Legal, Technical, RCU & Operations Responsible for end to end processing of the case and updating the status of the same to the customers. Ensuring Top Class service for Customers for better NPS Scores Experience in SECURED LOAN SALES is Must Job Requirements: Qualification - Graduate / MBA Skills & Experience Minimum 2 years work experience in Home Loan /Mortgage Sales with DMA/DST/Bank Branches Customer relationship management skills Sales and service orientation

JD For Credit Manager Loan Underwriting Handling secured, unsecured and working capital and LAP Evaluate and process end to end Loan applications within agreed TAT timelines. Timely clearance of open audit queries, quality control checks Timely completion of Vendor Management related activities Providing support to Business Plan through quick turnaround of New and Existing proposals and work with team to optimize returns while remaining within Risk Appetite Conducting stock audits as per the Stock audit plan through empanelled vendors. Analyzing/ Reviewing the reports received and highlighting the observations to the Management and taking necessary action. Handling different MISs of Portfolio. Monitoring churning and overdue in accounts. Processing bills of empaneled vendors for service rendered. Coordinating with empaneled vendors and resolving issues (if any). Coordinating with Business team, Credit teams, etc as per the requirement. Other related activities. Approve or reject loan requests, based on credibility and potential revenues and losses Calculate and set interest rates Negotiate loan terms with clients Monitor payments Maintain records of loan applications

JD - Location Credit Manager 1. Credit Assessment & Underwriting: Evaluate loan applications for Loan Against Property (LAP) and Affordable Housing Loans at the location level. Assess borrower profiles, financial statements, and property documents to determine Perform due diligence, including Customer meeting, tele verification check, CIBIL/credit bureau checks, banking analysis, and market references. Ensure that loan proposals align with the company's credit policy and risk appetite. 2. Loan Processing & Decision Making: Approve loan applications within the designated authority limit andrecommend higher-value proposals as required. Coordinate with legal, technical, and operations teams to ensure smooth loan processing and disbursement. Managing vault and safe keeping of property documents and Identify potential risks in loan proposals and recommend mitigation strategies. 3. Risk & Portfolio Management: Monitor the portfolio for early warning signals, delinquencies, and fraud detection. Work closely with the collections team to ensure timely follow-ups on overdue accounts. Conduct regular credit reviews and portfolio analysis to maintain a healthy loan book. 4. Compliance & Audit: Ensure adherence to internal credit policies, RBI/NHB guidelines, and regulatory requirements. Maintain proper documentation and ensure audit readiness at all times. Work with internal and external auditors to ensure smooth audit processes. 5. Stakeholder & Team Management: Provide training and guidance to sales and credit teams on loan policies and credit evaluation. Collaborate with business teams to ensure a balance between growth and risk management. Engage with legal and technical vendors for smooth processing of loan approvals. Key Skills & Competencies: Strong understanding of LAP & Affordable Housing Loans underwriting. Knowledge of legal & technical aspects related to property financing. Experience in credit risk assessment, financial analysis, and portfolio monitoring. Familiarity with CIBIL, CRIF, and other credit assessment tools. Attention to detail, decision-making ability, and problem-solving skills. Excellent communication and stakeholder management skills.