Description

Job Title: Relationship Manager – LAP

Designation: Manager

Department: Sales – Loan Against Property

Reporting to: Area Sales Manager

Role Objective

To drive growth in the Loan Against Property (LAP) business by sourcing high-quality cases through DSA (Direct Selling Agent) channels, ensuring portfolio health, and building strong market relationships.

Key Responsibilities

Business Sourcing:
Acquire LAP customers through DSA channels while adhering to internal policies and external regulatory guidelines.
Identify and onboard high-potential DSAs and maintain robust working relationships.

Sales & Target Achievement:
Meet or exceed assigned monthly and quarterly disbursement and fee income targets.
Monitor and drive business volumes in a competitive market, maintaining a healthy pipeline.

Credit & Risk Coordination:
Liaise with credit and operations teams to ensure smooth file processing and disbursal.
Perform initial screening of customer financials and property documents before file submission.

Market Intelligence & Relationship Management:




Track competitor offerings, pricing, and market dynamics.
Maintain solid relationships with DSAs, customers, and internal stakeholders.

Compliance & Documentation:
Ensure thorough KYC, property valuation, and legal documentation as per company standards.
Adhere to audit requirements, regulatory norms, and internal processes.

Candidate Profile

Education: Graduate (minimum qualification)

Experience: Minimum 3 years of relevant experience in LAP/Home Loan/SME Lending in the Banking or NBFC sector as a full time permanent employee.

Skills:
Strong relationship management and interpersonal skills
Understanding of secured lending and property-related documentation
High level of self-motivation with a go-getter attitude
Comfortable working in a high-performance, target-driven environment

What We Look For

• A qualified who is passionate about sales and willing to go above and bey

📌 Relationship Manager Bhilwara
🏢 Kotak Mahindra Bank
📍 Bhilwara