Job Description

Job Title: Relationship Manager - LAP


Designation: Manager


Department: Sales - Loan Against Property


Reporting to: Area Sales Manager


Location: [Specify Location]


About Kotak Mahindra Prime Ltd.


Kotak Mahindra Prime Ltd., a subsidiary of Kotak Mahindra Bank, is one of India's leading non-banking financial companies (NBFCs), focused on vehicle and asset-backed financing solutions. Operating in a highly competitive NBFC ecosystem, we are committed to delivering fast, flexible, and customer-centric lending solutions.


Role Objective


To drive growth in the Loan Against Property (LAP) business by sourcing high-quality cases through DSA (Direct Selling Agent) channels, ensuring portfolio health, and building strong market relationships.


Key Responsibilities

Business Sourcing:

Acquire LAP customers through DSA channels while adhering to internal policies and external regulatory guidelines. Identify and onboard high-potential DSAs and maintain strong working relationships.

Sales & Target Achievement:

Meet or exceed assigned monthly and quarterly disbursement and fee income targets. Monitor and drive business volumes in a competitive market, maintaining a healthy pipeline.

Credit & Risk Coordination:

Liaise with credit and operations teams to ensure smooth file processing and disbursal. Perform initial screening of customer financials and property documents before file submission.

Market Intelligence & Relationship Management:

Track competitor offerings, pricing, and market dynamics. Maintain strong relationships with DSAs, customers, and internal stakeholders.

Compliance & Documentation:

Ensure thorough KYC, property valuation, and legal documentation as per company standards. Adhere to audit requirements, regulatory norms, and internal processes. Candidate Profile

Education:

Graduate (minimum qualification)

Experience:

Minimum 3 years of relevant experience in LAP/Home Loan/SME Lending in the Banking or NBFC sector as a full-time permanent employee.

Skills:

Strong relationship management and interpersonal skills Understanding of secured lending and property-related documentation High level of self-motivation with a go-getter attitude Comfortable working in a high-performance, target-driven environment What We Look For


A professional who is passionate about sales and willing to go above and beyond. * Someone who can thrive in a fast-paced, competitive landscape with a solution-oriented mindset.