4725 Lap Jobs - Page 39

Role/Job Title: Relationship Manager-Home loan and Loan against property ( Mortgage) Function/Department: Rural Banking Locations : Ayodhya, Bahraich, Barabanki, Basti, Bela Pratapgarh, Bhadohi, Gulariha, Maunath, Bhanjan, Naini, Pddun, Ptddu, Sarsawan, Sitapur Job Purpose: To deliver a high-quality client service and customer retention. Enhance product sales and new client acquisition. Roles & Responsibilities: Identifying New Markets, must work towards attracting new customers and generating leads through local activities like organizing canopy activities/leaflet distribution/cold calling and etc. To service, the leads referred by sales front/cross/selling or other channels. To deliver a high-quality client service and customer retention approach to managing client relationships to enhance product sales and new client growth targets. Achieve agreed individual performance targets for income generation, product sales and new client growth targets. Login to disbursement completion, fulfilment, counselling, and handholding the customer through the entire process of sanction and disbursement. Ensuring that customer doesnt become a non-starter e.g. helping collections to recover EMIs in case of default. Building the relationship in the Market by meeting the Local Builders, Business communities and new channels. Education Qualification: Graduation: Graduation Experience: 0 to 5 Years in Home loans & Loan Against property ( Mortgage) Age : 18 to 28 years No. of openings : 20 Dates of walk-in : 21st July 2025 ( Monday) & 22nd July 2025 ( Tuesday) Time : 11:00 am to 3:00 pm Venue : Office No. 703 & 704, 7th Floor, Urbanac Business Park, Vibhuti Khand, Gomti Nagar, Lucknow 226010, UP

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

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

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

Sr. Business Executive - DSA Department Business Banking Asset Division-Business Loans Location All Number of Positions 52 Reporting Relationships No Position Grade E0 This is an Independent role and candidate will manage a business of 40-75L PM (Unsecured Business Loans) Needs to have a good knowledge of Local market with a special focus on the Self-employed category. Must have experience in that Geography To understand clients business & provide appropriate products like Business loans, OD facilty Has to work closely with DSAs/do Tele calling/Branch Banking teams for new customer addition. To cross sell various products like Current Account/Savings account/Life Insurance and General Insurance To build relationships with key persons (CFOs/ promoters) in the target segments & build client trust & confidence. To be alert on competitive elements in the target segments (viz. other banks etc.) &Augment the presence and penetration of the Kotak brand in the target market Improve efficiency by monitoring accounts sourced, do top ups on existing loans when possible Job Requirements: Graduate / MBA Experience3-4 years in the local market, preferably some background in Credit & Sales Knowledge is required - ability to get the customer to buy into the asset proposition- loan amount, rate & fees. Should have good oral and written Communication skills. Job Knowledge- The candidate would need to handle Sales for a gamut of products like TL, OD,

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

Department Commercial Banking- MFI business - Risk Location Mumbai Kotak Infinity/ Bengaluru/ Lucknow Reporting Relationships Vice President Number of Positions 5 Position Grade M3/M4 Control Assessment for Branches and HO for MFI business for JLG, Micro LAP and Individual Loan. Responsible for assessing fraud/ operational and financial risks in Tier II, III cities , District/ Tehsil level( MFI branches) Responsible for assessing regulatory and internal policies and process adherence at MFI branches. Responsible for co-ordination with other support & control functions and business team. Responsible for managing MIS/Risk Analysis/Fraud Analysis/improvement/Operational Loss reduction Job Requirements: MBAs from reputed college/ Semi Chartered Accountant/ Chartered accountants Candidate should have good communication skills Should have worked in MFI business / have sound knowledge of MFI business/ Retail Assets. Good MS-Office knowledge with Analytical Skills Should have problem solving capacity. Willingness to travel to MFI locations ( branches, Hubs and District headquarters etc) Team player Analytical skill. Having good oral and written communication. Excellent co-ordination skills. Consistent and focused performer

Job Responsibilities: Should have experience in Mortgage Loan, Loan against property Generating business from DSAs. Monitoring pre and post disbursal documents / formalities. Monitoring & resolving Infant delinquent cases Building relationship with current and prospective Customers Providing off roll incentive inputs for timely processing Meeting HNI customers for Business Loans Generating corporate leads and closing them Achieve the branch/location target through the team which includes branch sales target, ALR ,controlling PDD/delinquency Job Requirements: Comfortable with using MS Word and MS Excel Good Communication and interpersonal skills Demonstrable team management skills Ability to collaborate, delegate and motivate Educational Qualifications: Should be graduate and above Work Experience: Minimum work experience of 3 years Exposure in similar industry would be preferable Exposure to secured lending asset products viz. Home Finance/Personal Loan/Educational Loan etc can be considered

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

Business Relationship Manager Department Business Banking Assets Location Position Grade Deputy Manager / Manager / Sr. Manager Business Relationship Manager Manage and service existing portfolio of WC clients including renewal and enhancement of limits Build strong and effective relationship with Promoters and build client trust and confidence Understand business models, target segments, cash flows and structure WC solutions to best suit customer needs. Ensure growth in the portfolio by way of enhancement and achieve a minimum business target as defined in the SOP. Ensure timely renewal of limits, Ensure timely closure of all pending PDDs. Tracking and liaison with customer for submission of any pending stock statements, stock insurance and stock audit compliance. Visit client locations at frequent intervals to stay connected and ensure growth and functionality of business model. Push client for optimum utilization and track the utilization pattern MOM to identify any unusual transaction. Ensure minimum delinquency and work towards exit of clients identified in EWS. Provide timely advice and keep client updated with latest developments and pitch products beneficial to customer for smoother working. Liaison with internal departments credit/ops/trade desk/branch to facilitate client issues and ensure that the same are resolved within minimum TAT. Drive cross sell products including WC limits and book penetration in allocated set of clients. Generate leads from existing customers and on-board new customers basis existing relationship management.Maintain CASA book and generate float income by opening all group accounts. Experience2-3 years experience in the local market preferably some background in Credit & Sales Knowledge is required - ability to get the customer to buy into the asset proposition- loan amount, rate & fees. Strong Oral and Written Communication Skills Relationship Management Skill & Good influencing skills Job Knowledge- The candidate would need to handle Sales for a gamut of products like WC, LAP, etc

Evolve & operationalize sales plan to achieve volume, SoH and market share targets. Monitoring market & competition, identifying & quantifying new markets/channels for growth. Channel ManagementAssessment ,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 among various function 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. Requirement: Min 12-15of experience. Experience in Mortgagepreferred Team Handling experience required Assertive and passionate individual with a natural flair for sales/Business. High drive for results, strong work ethic, relationship management and negotiation skills. Eye for detail and ability to closely monitor critical business parameters. Understanding of P&L required

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

Roles & Responsibilities Products include Vishwas HL and LAP Handle team of executives 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.

Key Responsibilities Credit Assessment : Risk Management : Loan Approval Process : Evaluate loan applications and creditworthiness of applicants based on financial data and other relevant factors. Perform detailed analysis of financial statements, bank statements, and credit reports. Assess repayment capacity and recommend appropriate loan structures. Identify, analyze, and mitigate potential credit risks. Ensure compliance with internal credit policies and regulatory guidelines. Conduct periodic portfolio reviews to identify early warning signals. Coordinate with sales and operations teams for smooth processing of loan applications. Approve or recommend loans within delegated authority limits. Liaise with legal and technical team for finalization.

Key Responsibilities Credit Assessment : Risk Management : Loan Approval Process : Evaluate loan applications and creditworthiness of applicants based on financial data and other relevant factors. Perform detailed analysis of financial statements, bank statements, and credit reports. Assess repayment capacity and recommend appropriate loan structures. Identify, analyze, and mitigate potential credit risks. Ensure compliance with internal credit policies and regulatory guidelines. Conduct periodic portfolio reviews to identify early warning signals. Coordinate with sales and operations teams for smooth processing of loan applications. Approve or recommend loans within delegated authority limits. Liaise with legal and technical team for finalization.

Job Responsibilities: Should have experience in Mortgage Loan, Loan against property Generating business from DSAs. Monitoring pre and post disbursal documents / formalities. Monitoring & resolving Infant delinquent cases Building relationship with current and prospective Customers Providing off roll incentive inputs for timely processing Meeting HNI customers for Business Loans Generating corporate leads and closing them Achieve the branch/location target through the team which includes branch sales target, ALR ,controlling PDD/delinquency Job Requirements: Comfortable with using MS Word and MS Excel Good Communication and interpersonal skills Demonstrable team management skills Ability to collaborate, delegate and motivate Educational Qualifications: Should be graduate and above Work Experience: Minimum work experience of 3 years Exposure in similar industry would be preferable Exposure to secured lending asset products viz. Home Finance/Personal Loan/Educational Loan etc can be considered

Relationship management with aggregators across different levels from top management to middle management Strategize, manage and drive online aggregator partnerships for month on month target achievement Identifying and acquiring potential new aggregators Manage Direct Sales Team, Credit underwriters and call center - across different functions on a daily basis to meet the business goals & improve data point to disbursal funnel conversion To conceptualize and execute contests to motivate the partners Plan annual engagement calendars with aggregators aligned with business priorities Sales Planning and Day to day Operations for the Aggregator Platforms. Liaison with other internal cross functional stakeholders like Marketing, IT, digital/ BSG, to drive agreed initiatives to build scale Work with partners to design and execute joint PA/PQ programs resulting in 3X growth Job Requiremetnts Qualification - Graduate from a recognized University - with 6 to 8 years of experience of handling web aggregator business. preferably in banking or insurance. Job KnowledgeUnderstanding of personal loans will be an added advantage; Skills & Experience Quick learner ; Excellent written and oral communication,

Role & responsibilities Responsible for sourcing, structuring & servicing clients for their financial needs by offering them various secure & unsecured products majorly designed to cater to the MSME segment from open market and DSA. Responsible for attending clients queries and resolution in TAT. Responsible for coordination with support functions (Credit/Ops) in facilitating disbursement. To constantly provide feedback on the ground about the market and products offered by competition. Preferred candidate profile Minimum 2 year of experience in Business Loan or LAP Candidates should be locally belonging to their respective location. Should have good communication and negotiation skills.

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

Job Responsibilities: Should have experience in Mortgage Loan, Loan against property Generating business from DSAs. Monitoring pre and post disbursal documents / formalities. Monitoring & resolving Infant delinquent cases Building relationship with current and prospective Customers Providing off roll incentive inputs for timely processing Meeting HNI customers for Business Loans Generating corporate leads and closing them Achieve the branch/location target through the team which includes branch sales target, ALR ,controlling PDD/delinquency Job Requirements: Comfortable with using MS Word and MS Excel Good Communication and interpersonal skills Demonstrable team management skills Ability to collaborate, delegate and motivate Educational Qualifications: Should be graduate and above Work Experience: Minimum work experience of 3 years Exposure in similar industry would be preferable Exposure to secured lending asset products viz. Home Finance/Personal Loan/Educational Loan etc can be considered

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

Role Credit Appraisal Loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities Under writing cases with desired level of quality and enabling achievement of Branch Business target by proper training Use performance history along with liquidity, debt/asset management and profitability ratios to assess creditworthiness in evaluation Stock on HireIncrease in volume of business Ensure that SOH increases(pl confirm if this applies to CM role ) NPA trend Analyze the NPA trend like area, industry, sector etc. Interact with Customers & understand the business and regularly monitor delinquencies / infants. Infant loan which is less than 12 months NPA Ensure qualitative portfolio Ensure that there is no infant 12 months NPA Daily tasks Daily accessing the loan file Daily case discussion with Sales team Preparing credit underwriting for the cases assigned Personal discussion calls with customer financials & banking Decision making with predefined TAT Tele-verification calls to the customer

Relationship Manager- New car Loans- Grade:- M2-M3 Experience:- Min 3-5 years Experience in asset product. Preferably in Auto loans. Profile requirement. Dealer channel management- Sourcing business from Car loan dealers as well as from KMBL Branches. Good at MIS and Written and verbal Communication. Skill set require to effectively manage Finance Manager/General Manager of Car dealers. Focus on Fee based income and ability to Cross sell other products. Ability to manage a Team size of 8-10 DST. Service oriented with will to go extra mile to serve channel effectively. PDD management and release Channel Payout on monthly basis. Infant Management.

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;