Relationship Manager

Capital India Finance Limited; Navi Mumbai, Mumbai, Delhi; On-site; INR 500,000 - 800,000; Full time

Job summary

Capital India Finance Limited is seeking a dynamic Relationship Manager for Loan Against Property (LAP) to drive growth. You will source new business, build strong relationships with customers and channel partners, and manage the loan process from lead generation to disbursement.

The role emphasizes field visits, target achievement, and coordination with Credit, Operations, Legal, and Technical teams to ensure timely approvals and disbursement while maintaining high standards of customer service.

Qualifications

• Graduate in any discipline; MBA preferred.
• Experience in sales, BD, or relationship mgmt in NBFCs/banks.
• Experience in LAP, Home/Business Loans or secured lending is an advantage.
• Strong communication, negotiation, customer handling, and relationship-building skills.
• Willingness to travel within the assigned territory for meetings.
• Ability to work towards targets and manage multiple leads.

Responsibilities

• Generate LAP business through direct sourcing, customer referrals, connectors, DSAs, and other channel partners.
• Identify prospective customers, understand their financial requirements, and offer LAP solutions.
• Develop and maintain strong relationships with DSAs, connectors, brokers, and other referral partners to generate quality business.
• Build and maintain long-term relationships with existing and prospective customers to ensure customer satisfaction and repeat business.
• Conduct regular field visits to meet customers, channel partners, and business associates to generate leads and convert them into business.
• Coordinate with Credit, Operations, Legal, and Technical teams for loan login, property verification, documentation, and timely disbursement.
• Achieve monthly targets for login, sanctions, disbursements, revenue, and portfolio quality as assigned by management.
• Ensure the collection and submission of accurate customer KYC, income, financial, and property-related documents.
• Identify new business opportunities, assess local market potential, and monitor competitor activities to expand the LAP business.
• Ensure adherence to company policies, lending guidelines, documentation standards, and regulatory requirements.

Skills

Sales & BD

Lead generation

CRM

DSA/Channel partners

Communication

Negotiation

Education

MBA or relevant qualification

Job description

Job Description Relationship Manager (Loan Against Property)

Company: Capital India Finance Limited

Designation: Relationship Manager Loan Against Property (LAP)

Department: Sales

Product: Loan Against Property (LAP)

Job Summary

We are looking for a dynamic and target-oriented Relationship Manager to drive business growth for our Loan Against Property (LAP) product. The candidate will be responsible for sourcing new business, building strong relationships with customers and channel partners, and managing the loan process from lead generation to disbursement.

Key Responsibilities

• Business Development: Generate LAP business through direct sourcing, customer referrals, connectors, DSAs, and other channel partners.


• Lead Generation: Identify prospective customers, understand their financial requirements, and offer suitable Loan Against Property solutions.


• Channel Partner Management: Develop and maintain strong relationships with DSAs, connectors, brokers, and other referral partners to generate quality business.


• Customer Relationship Management: Build and maintain long-term relationships with existing and prospective customers to ensure customer satisfaction and repeat business.


• Field Sales: Conduct regular field visits to meet customers, channel partners, and business associates to generate leads and convert them into business.


• Loan Processing: Coordinate with Credit, Operations, Legal, and Technical teams for loan login, property verification, documentation, and timely disbursement.


• Business Targets: Achieve monthly targets for login, sanctions, disbursements, revenue, and portfolio quality as assigned by management.


• Documentation: Ensure the collection and submission of accurate customer KYC, income, financial, and property-related documents.


• Market Development: Identify new business opportunities, assess local market potential, and monitor competitor activities to expand the LAP business.


• Compliance: Ensure adherence to company policies, lending guidelines, documentation standards, and regulatory requirements.

Eligibility Criteria

• Graduate in any discipline; candidates with an MBA or relevant professional qualification will be preferred.


• Experience in sales, business development, or relationship management in NBFCs, banks, or financial services is preferred.


• Candidates with experience in Loan Against Property, Home Loans, Business Loans, or other secured lending products will have an added advantage.


• Strong communication, negotiation, customer handling, and relationship-building skills.


• Willingness to travel within the assigned territory for customer and channel partner meetings.


• Ability to work towards business targets and manage multiple leads effectively.

Key Skills

• Sales and business development


• Lead generation and customer acquisition


• DSA and channel partner management


• Customer relationship management


• Knowledge of secured lending and property-backed loans


• Documentation and coordination with internal teams


• Target achievement and market development

Role Expectations

The Relationship Manager will be responsible for expanding the LAP customer base, developing productive channel partner relationships, sourcing quality loan proposals, and ensuring smooth coordination throughout the loan processing and disbursement cycle.