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RM- Loan Against Property- upto 5.25 lacs

1 - 5 years

2 - 5 Lacs

Hassan Udupi Shimoga

Posted:8 months ago

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Job Description

Role & responsibilities

Role Summary

Key Responsibilities

  • Lead Generation & Sourcing

    : Generate 50-100 qualified leads monthly via DSA networks, bank referrals, real estate agents, and field marketing. Target HNI individuals, doctors, CAs, and small business owners needing funds for business expansion, debt consolidation, or personal needs.

  • Client Relationship Management

    : Conduct home/office visits; assess financials (ITR, bank statements, CIBIL 700+). Present LAP products . Overcome objections and close 20-25% of proposals.

  • Credit & Documentation

    : Prepare detailed credit memos; coordinate property valuation (empanelled valuers), legal verification, and technical assessment. Ensure 100% KYC/RBI compliance and end-to-end case tracking via CRM.

  • Cross-Sell & Portfolio Quality

    : Promote add-ons (insurance, current accounts). Monitor post-disbursal (infant delinquency 2%); resolve early payment issues. Achieve 90%+ renewal rate for existing clients.

  • Reporting & Reviews

    : Update daily pipeline in CRM; submit weekly reports on ALR (Average Loan Rate), conversion ratio, and catchment analysis. Attend branch sales meetings.

  • DSA/Channel Management

    : Activate and incentivize 10-20 DSAs; run builder tie-ups for primary market leads.

Required Qualifications & Experience

  • Education

    : Graduate (B.Com/MBA Finance preferred).

  • Experience

    : 2-5 years in LAP/Home Loan sales (banks/NBFCs like HDFC, Bajaj Housing, PNB Housing). Proven track record of 20-50 Cr annual disbursals.

  • Skills

    : Strong Excel/CRM proficiency; property/legal knowledge; .Driving license mandatory (50% field travel).

Gopakumar@9562184455

Skills Required

loan against property housing finance secured loan lap loans hl dst home loans property loan sme loan loan sales micro lap housing loan dsa business loan mortgage dsa sales nbfc mortgage loans msme loan lap home finance

Work Mode

Work from Office

Job Type

Full Time

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