Relationship Officer – Home Loan & LAP SalesCompany: Utkarsh Small Finance Bank

Industry: Banking & Financial Services

Job Type: Full Time

Locations: Andheri - GB , Mira Road , Borivali & Virar , Pimpari, Kothrud , Baner Pune ,Vashi GB & New panvel & Ghatkopar, Kalyan & Thane

Experience: 1–5 Years

CTC: Up to ₹4.5 LPA

Job SummaryUtkarsh Small Finance Bank is hiring Relationship Officers for Home Loan & Loan Against Property (LAP) Sales. The role involves generating leads, acquiring customers, managing DSA/connector networks, handling the loan application process, and achieving monthly sales and disbursement targets.

- Key ResponsibilitiesGenerate Home Loan and LAP leads through field visits, referrals, local market activities, and other sourcing channels.
- Acquire recent customers and understand their financial and property-related requirements.
- Develop and maintain relationships with DSAs, brokers, builders, CAs, connectors, and other channel partners.
- Conduct regular field visits to identify potential customers and business opportunities.
- Handle initial customer profiling, income assessment, property-related information, and eligibility checks.
- Collect and verify KYC, income, banking, and property-related documents.
- Explain loan products, eligibility, interest rates, EMI, processing fees, and documentation requirements to customers.
- Coordinate with Credit, Operations, and other internal teams for smooth loan processing and sanction.
- Follow up on pending documents, approvals, and cases until final disbursement.




- Achieve monthly targets for leads, logins, sanctions, and loan disbursements.
- Maintain accurate records of customer interactions, leads, applications, and sales performance.
- Ensure compliance with company policies, KYC norms, and applicable regulatory requirements.
- Required SkillsHome Loan Sales
- Loan Against Property (LAP)
- Mortgage Sales
- Field Sales
- Lead Generation
- Customer Acquisition
- DSA / Connector Management
- Channel Partner Management
- KYC & Documentation
- Customer Relationship Management
- Sales & Target Achievement
- Good Communication Skills
- Candidate Requirements1–5 years of experience in Home Loan, LAP, Mortgage, or related financial product sales.
- Experience with an NBFC, Housing Finance Company, Bank, or Small Finance Bank is preferred.
- Strong field sales and lead-generation capabilities.
- Good understanding of loan documentation and basic credit requirements.
- Ability to build and manage DSA, connector, broker, or builder relationships.
- Good communication and customer-handling skills.
- Knowledge of the local market will be an added advantage.
- Candidates should be comfortable with regular field visits.
- Own two-wheeler/four-wheeler preferred as the role involves field sales.
- EducationGraduate candidates preferred.
- Exposure to Home Loan and LAP products.
- Performance-driven sales workplace.
- Career growth opportunities in the BFSI sector.

Interested candidates can apply with their updated resume.

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