Relationship Manager

Job description:

OPENING FOR RELATIONSHIP MANAGER - MLAP

Role Objective -

To acquire new customers and manage existing relationships for Mortgage / Loan Against Property (LAP) products, ensuring sustainable business growth, superior customer experience, and adherence to credit & compliance standards.

Key Responsibilities

1. Business Acquisition

• Source new customers for MLAP/LAP products through direct sales, channel partners, connectors, and referrals.
• Identify potential borrowers such as SMEs, self-employed professionals, and salaried individuals.
• Conduct market mapping and develop strategies to increase loan book.

2. Customer Relationship Management

• Build strong relationships with new and existing customers to ensure repeat business.
• Understand customer financial requirements and recommend suitable mortgage/LAP solutions.
• Provide end-to-end assistance, from lead generation to loan disbursement.

3. Credit Assessment & Documentation

• Assess customer financials, income documents, banking, collateral details, and repayment capacity with preliminary credit screening.
• Coordinate with credit team for approval and ensure accurate documentation.
• Ensure property verification, legal checks, valuation, and compliance standards are met.

4. Portfolio Management

• Monitor portfolio health and ensure timely EMI payments.
• Identify early warning signals and assist in delinquency control.
• Upsell and cross-sell relevant banking products (e.g., overdraft LAP, insurance, CASA).

5. Channel Partner Management

• Develop and manage relationships with DSAs, connectors, builders, and brokers.
• Train and motivate channel partners to increase business volumes.
• Ensure adherence to onboarding norms and ethical sales practices.

6. Reporting & Compliance

• Maintain accurate MIS on leads, conversions, approvals, and disbursements.
• Ensure adherence to internal policies, RBI guidelines, and audit standards.
• Update CRM systems regularly with customer interactions and pipeline status.

Job Type: Full-time

Pay: ₹250,000.00 - ₹350,000.00 per year

Work Location: In person