Job Description

Job Category: KMBLDegree Level: Bachelor's Degree: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:

• Business Development:
• Customer Relationship Management:
• Credit Assessment:
• Sales Target Achievement:
• Market Intelligence:
• Source new clients through market visits, channel partners, and referrals.
• Promote LAP and affordable home loan products in the assigned territory.
• Build and maintain relationships with key stakeholders like builders, real estate agents, and DSA partners.
• Manage customer lifecycle from lead generation to loan disbursement.
• Handle client queries and ensure timely resolution.
• Regularly follow up with existing customers for renewals, cross-sell opportunities, and referrals.
• Conduct initial credit evaluation and financial analysis of customers.
• Ensure compliance with company's risk policy and documentation standards.
• Liaise with credit and operations teams to ensure smooth processing and disbursement of loans.
• Achieve monthly and quarterly sales targets for LAP and affordable loans.
• Monitor performance and proactively take corrective actions to ensure goals are met.
• Keep abreast of market trends, competitor products, and pricing strategies.
• Provide feedback and insights to the product and marketing teams.

• Bachelor's degree in Business Administration, Finance, or related field (MBA preferred)
• 2-5 years of experience in sales of LAP, home loans, or affordable housing loans
• Knowledge of local market and customer base
• Understanding of lending norms, credit assessment, and compliance

• Strong interpersonal and communication skills
• Proven sales and negotiation abilities
• Customer-centric mindset
• Ability to work independently and in a team
• Good knowledge of financial documents and credit underwriting

Kotak Mahindra Bank