Walk-in || Relationship Manager

Job Description: Relationship Manager (RM) Loan Against Property (LAP)

Job Title: Relationship Manager – Loan Against Property (LAP)
Department: Sales / Retail Lending
Industry: Banking / NBFC / Financial Services
Reporting To: Branch Manager / Sales Manager

Job Summary

The Relationship Manager – LAP will be responsible for sourcing, developing, and managing customers for Loan Against Property products. The role involves generating business through direct sales, DSAs, connectors, and other referral channels while ensuring proper documentation, credit policy compliance, and achievement of business targets.

Key Responsibilities

1. Business Development & Sales
• Generate LAP business through direct sourcing, DSAs, connectors, builders, and other referral channels.
• Achieve monthly and quarterly targets for disbursement, login, and sanctions.
• Identify prospective customers, assess their funding requirements, and offer suitable loan solutions.
• Develop and maintain a strong customer and referral partner network.
2. Customer Relationship Management
• Build and maintain long-term relationships with existing and prospective customers.
• Conduct customer meetings and property-related discussions.
• Ensure a smooth customer experience throughout the loan process.
• Follow up on leads, pending cases, sanctions, and disbursements.
3. Credit & Documentation
• Collect and verify KYC, income, banking, business, and property-related documents.
• Conduct preliminary assessments of customer eligibility and repayment capacity.
• Coordinate with credit, legal, technical, operations, and underwriting teams.
• Ensure compliance with internal credit policies and regulatory requirements.
4. Market Development
• Identify new business opportunities and expand the LAP customer base.
• Monitor competitor offerings, market trends, and customer requirements.
• Build productive relationships with DSAs, brokers, and local business communities.
5. Portfolio Management
• Monitor the quality of sourced cases and ensure accurate customer information.
• Support collections and overdue follow-ups wherever required by company policy.
• Maintain proper records, sales reports, and pipeline updates.

Eligibility Criteria

• Education: Graduate in any discipline; MBA/PGDM in Finance or Marketing preferred.
• Experience: 1–5 years in LAP, mortgage loans, secured lending, home loans, or financial services sales.
• Skills: Sales and negotiation, customer relationship management, financial understanding, documentation, and communication.
• Market Knowledge: Understanding of property valuation, mortgage lending, customer income assessment, and local market dynamics.

Key Performance Indicators (KPIs)

• Monthly LAP disbursement and business achievement.
• Number of leads generated, applications logged in, and cases sanctioned.
• Conversion ratio from login to disbursement.
• DSA and connector productivity.
• Portfolio quality and adherence to credit policies.
• Customer satisfaction and turnaround time.

Compensation & Benefits

Salary, incentives, travel allowance, and other benefits will be offered as per company policy and the candidate's experience.

Preferred Candidate: A target-oriented professional with strong local market knowledge, customer-handling skills, and experience in secured lending.