Relationship Manager - LAP (Loans Against Property)

Location : Gurgaon

Employment Type : Full Time

Grade Offered : M2/M3/M4 (Deputy Manager/Manager/Senior Manager)

Reporting to: Area Sales Manager - LAP

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

Role :

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

Responsibilities

- Build and nurture long-term relationships with clients, understanding their financial goals and requirements.
- Offer personalized loan solutions, including Loans Against Property (LAP) products, to meet client needs.
- Guide clients through the loan application process, ensuring a smooth and efficient experience.
- Stay updated on market trends, competitor offerings, and new loan products to provide the best advice to clients.




- Collaborate with internal teams, such as underwriting and legal, to ensure a seamless loan approval process.
- Maintain a high level of customer satisfaction by promptly addressing queries and concerns.
- Achieve individual and team sales targets through effective relationship management and cross-selling opportunities.
- Conduct regular client meetings and provide periodic updates on loan progress and market insights.
- Identify and mitigate potential risks associated with loan applications, ensuring compliance with regulations.
- Represent the company professionally at industry events and networking opportunities.

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 professional who is passionate about sales and willing to go above and beyond.
- Someone who can thrive in a fast-paced, competitive landscape with a solution-oriented mindset.
- A bachelor's degree in finance, business administration, or a related field is preferred.
- Minimum 2-3 years of experience in relationship management, preferably in the financial services industry.
- Strong knowledge of Loans Against Property (LAP) products and the Indian mortgage market.

- Excellent interpersonal and communication skills, with a client-centric approach.
- Ability to build trust and rapport with clients, offering tailored financial solutions.
- Proficiency in MS Office and familiarity with CRM systems for efficient relationship management.

- Analytical skills to interpret financial data and offer suitable loan recommendations.
- Self-motivated and results-driven, with a track record of achieving sales targets.
- Strong work ethic, with the ability to work independently and as part of a team.

- Willingness to stay updated on industry trends and regulatory changes.

📌 Walk-in | Interview 22nd September - Relationship Manager - LAP Gurgaon Location (Delhi)
🏢 Kotak Mahindra Bank
📍 Delhi