Job Description

Job Category: KMBL
Degree Level: Bachelor's Degree
:
JD - Relationship Manager-Bharat Business
The Relationship Manager - LAP & Affordable Loans is responsible for sourcing new customers and managing existing relationships to grow the Loan Against Property (LAP) and Affordable Housing Loan portfolio. The role involves business development, credit analysis, and providing exceptional customer service to ensure high customer satisfaction and retention.
Key Responsibilities:
xc2xb7 Business Development:
o Source new clients through market visits, channel partners, and referrals.
o Promote LAP and affordable home loan products in the assigned territory.
o Build and maintain relationships with key stakeholders like builders, real estate agents, and DSA partners.
xc2xb7 Customer Relationship Management:
o Manage customer lifecycle from lead generation to loan disbursement.
o Handle client queries and ensure timely resolution.
o Regularly follow up with existing customers for renewals, cross-sell opportunities, and referrals.
xc2xb7 Credit Assessment:
o Conduct initial credit evaluation and financial analysis of customers.
o Ensure compliance with company's risk policy and documentation standards.
o Liaise with credit and operations teams to ensure smooth processing and disbursement of loans.
xc2xb7 Sales Target Achievement:
o Achieve monthly and quarterly sales targets for LAP and affordable loans.
o Monitor performance and proactively take corrective actions to ensure goals are met.
xc2xb7 Market Intelligence:
o Keep abreast of market trends, competitor products, and pricing strategies.
o Provide feedback and insights to the product and marketing teams.
Skills Required:
xc2xb7 Strong interpersonal and communication skills
xc2xb7 Proven sales and negotiation abilities
xc2xb7 Customer-centric mindset
xc2xb7 Ability to work independently and in a team
xc2xb7 Good knowledge of financial documents and credit underwriting