Relationship Manager

Job Title:

Department:

Location:

Reporting To:

Job Purpose:

To generate business through sourcing Loan Against Property (LAP) proposals, building relationships with customers, and ensuring smooth end-to-end processing and disbursement of LAP products.

Key Responsibilities:

• Business Sourcing:

  • Identify and source LAP customers through direct channels (open market), DSA, connectors, and other channels.

  • Meet monthly sales targets for disbursement and file logins.

• Client Relationship Management:

  • Build and maintain relationships with prospective and existing LAP clients.

  • Provide excellent customer service and resolve queries related to product, process, or documentation.

• Credit & Documentation:

  • Assist clients with application and documentation processes.

  • Coordinate with the credit team for timely approvals.

  • Ensure compliance with internal credit policies and external regulations.

• Market Intelligence:

  • Monitor market trends, competitor products, pricing, and share inputs with management for strategic planning.

• Cross-Selling:

  • Identify cross-sell opportunities for other products like insurance, personal loans, etc.

Key Skills & Competencies:

• Strong communication and interpersonal skills

• Good understanding of LAP product, property valuation, and credit assessment

• Target-oriented and self-driven

• Knowledge of local markets and customer segments

• Strong negotiation and convincing skills

Qualifications & Experience:

• Graduate / Postgraduate (MBA preferred)

• 2-5 years of experience in LAP sales or secured loans

• Experience working with banks, NBFCs, or DSAs is preferred