- 1–5 years sales experience in Affordable Housing Loans or LAP with expertise in high-interest loan products
- Manage warm leads to pitch and close top-up loans, evaluate affordable properties for LAP, conduct field visits, and ensure portfolio retention
About the Role Aye Finance is hiring for the position of Relationship Manager Upsell to manage credit extensions for our high-performing existing borrower portfolio. In this role, 100% warm requirement leads will be provided by the company. Your primary responsibility is to connect with these pre-qualified customers, evaluate their additional funding requirements,
and successfully pitch top-up loans, Loan Against Property (LAP), or mortgage extensions.
We require professionals coming from the Affordable Housing / Affordable LAP segment who are skilled at value-selling and justification of high rates of interest (ROI) to micro-
entrepreneurs and self-employed profiles.
Key Responsibilities
• Lead Conversion & Top-Ups: Promptly act upon warm requirement leads provided by the organization to pitch and close top-up loans or asset-backed upgrades.
• Affordable Property Valuation & LAP Processing: Evaluate properties in the affordable segment (semi-urban, unapproved, or self-constructed properties) for
Loan Against Property (LAP) or mortgage top-ups.
• High ROI Value-Selling:
Skillfully handle customer objections regarding high rates of interest by emphasizing speed of disbursement, doorstep service, and adaptable documentation.
• On-Field Relationship Management: Conduct field visits to the customer’s business or residential premises to assess incremental cash flows and gather property documents.
• End-to-End File Login: Take ownership of the digital file login process, from capturing KYC and property photos on the company application to coordinate with the credit team for smooth approvals.
• Portfolio Retention: Maintain high customer engagement to ensure that top-
performing clients do not migrate to competitors offering lower ticket sizes or slower turnaround times.
Desired Candidate Profile
• Experience: 1–5 years of active sales experience in Affordable Housing Loans,
Affordable LAP, or Mortgage Loans within NBFCs or Housing Finance Companies
(HFCs).
• Domain Expertise: Proven track record of handling high-yielding/high-interest loan products targeted at self-employed, informal, or MSME segments.
• Lead Management: Experience working with CRM-driven or company-allocated lead buckets (rather than 100% open-market cold sourcing).