AYE Finance Limited -HiringManager Bihar/Jharkhand/MP/UP/HaryanaPunjab

Role & responsibilities

Job Description: Relationship Manager Upsell (Affordable LAP/Mortgage)

Company: Aye Finance Private Limited

Job Title: Relationship Manager – Upsell

Department: Existing Customer Base (ETB) – Sales

Location: Gurugram / [Specify Branch]

Reporting To: Branch Manager / Cluster Manager

About the Role

Aye Finance is hiring for the position of Relationship Manager – Upsell to manage credit extensions for our high-performing existing borrower portfolio. In this role, 100% warm requirement leads will be provided by the company. Your primary responsibility is to connect with these pre-qualified customers, evaluate their additional funding requirements, and successfully pitch top-up loans, Loan Against Property (LAP), or mortgage extensions.

We require professionals coming from the Affordable Housing / Affordable LAP segment who are skilled at value-selling and justification of high rates of interest (ROI) to micro-entrepreneurs and self-employed profiles.

Key Responsibilities

• Lead Conversion & Top-Ups: Promptly act upon warm requirement leads provided by the organization to pitch and close top-up loans or asset-backed upgrades.
• Affordable Property Valuation & LAP Processing: Evaluate properties in the affordable segment (semi-urban, unapproved, or self-constructed properties) for Loan Against Property (LAP) or mortgage top-ups.
• High ROI Value-Selling: Skillfully handle customer objections regarding high rates of interest by emphasizing speed of disbursement, doorstep service, and flexible documentation.
• On-Field Relationship Management: Conduct field visits to the customer’s business or residential premises to assess incremental cash flows and gather property documents.
• End-to-End File Login: Take ownership of the digital file login process, from capturing KYC and property photos on the company application to coordinate with the credit team for smooth approvals.
• Portfolio Retention: Maintain high customer engagement to ensure that top-performing clients do not migrate to competitors offering lower ticket sizes or slower turnaround times.