Relationship Manager - Sales (Micro Loan Against Property)

Job Title:

Relationship Manager - Sales

Department:

Retail Assets - Micro Loan Against Property (MLAP)

Reporting To:

Branch Sales Manager / Area Sales Manager

Job Purpose To drive business growth through sourcing and acquiring customers for Home Loans and Loan Against Property (LAP) products. The role involves generating leads through various channels, maintaining customer relationships, and achieving assigned sales targets while ensuring compliance with organizational policies.

Key Responsibilities

Sales & Business Development

- Source Home Loan and Loan Against Property cases through open market, Direct Sales Associates (DSAs), connectors, builders, developers, and channel partners.
- Generate new customer leads and convert them into business opportunities.
- Achieve monthly, quarterly, and annual sales targets.
- Develop and maintain a robust pipeline of prospective customers.
- Identify cross-selling opportunities for other financial products.

Relationship Management

- Build and maintain strong relationships with customers, channel partners, real estate agents, builders, and DSAs.
- Ensure a superior customer experience throughout the loan journey.
- Address customer queries and provide timely resolutions.

Customer Acquisition & Loan Processing

- Understand customer financial requirements and recommend suitable loan products.
- Collect and verify customer documents for loan processing.
- Coordinate with credit, operations, legal, technical, and underwriting teams for smooth loan disbursement.
- Monitor loan applications from login to disbursement.

Market Intelligence





- Conduct market mapping and competitor analysis.
- Stay updated on market trends, competitor products, and customer preferences.
- Identify new business opportunities within the assigned territory.

Compliance & Process Adherence

- Ensure adherence to company policies, regulatory guidelines, and KYC norms.
- Maintain accurate records and update CRM systems regularly.
- Ensure quality sourcing and portfolio health.

Key Performance Indicators (KPIs)

- Achievement of Home Loan and LAP disbursement targets.
- Number of new customer acquisitions.
- Revenue generation.
- Channel partner activation and productivity.
- Login-to-disbursement conversion ratio.
- Portfolio quality and compliance adherence.

Educational Qualification

- Graduate in any discipline (Mandatory).
- MBA/PGDM preferred.

Experience

Relationship Manager

- 1-5 years of experience in Home Loans, LAP, Mortgage Loans, Housing Finance, Banking, NBFC, or Financial Services Sales.

Senior Relationship Manager

- 4-8 years of experience in Home Loans and LAP sales with strong market and channel management experience.

Desired Skills

- Strong sales and negotiation skills.
- Excellent communication and interpersonal abilities.
- Knowledge of Home Loan and LAP products.
- Market sourcing and channel management expertise.
- Customer-centric approach.
- Ability to work under pressure and achieve targets.
- Proficiency in MS Office and CRM tools.

Preferred Industry Background

- Banks
- Housing Finance Companies (HFCs)
- NBFCs
- Mortgage Lending Institutions
- Retail Asset Sales Organizations

CTC: As per company norms and candidate experience. Employment Type: Full time

📌 Piramal Finance RM / SRM - MLAP - Only Male Candidate Preferred (Nirmal)
🏢 Piramal Finance
📍 Nirmal