Relationship 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.

Desired Candidate Profile

• Experience: 1–5 years of active sales experience in Affordable Housing Loans,

Affordable LAP, or Mortgage Loans within NBFCs or Housing Finance Companies

(HFCs).

• Domain Expertise: Proven track record of handling high-yielding/high-interest loan

products targeted at self-employed, informal, or MSME segments.

• Lead Management: Experience working with CRM-driven or company-allocated lead

buckets (rather than 100% open-market cold sourcing).

• Core Competencies: Excellent negotiation skills, property document understanding,

and local market geographical knowledge.

• Mandatory Requirement: Must have a two-wheeler and a valid driving license for

daily property and business field visits.