Relationship Manager

Aye Finance; Rajsamand; On-site; INR 300,000 - 540,000; Full time

Job summary

Aye Finance is hiring for a Relationship Manager Upsell to manage credit extensions for an existing borrower portfolio in Rajasthan. You will connect with pre-qualified customers, assess their funding needs, and pitch top-up loans, LAP, or mortgage extensions.

Ideal candidates have 1–5 years in Affordable Housing Loans or Mortgage Loans within NBFCs/HFCs, with strong negotiation skills and field-visit capability. A two-wheeler and valid driving license are mandatory for daily visits.

Qualifications

• Experience in active sales within Affordable Housing Loans, Affordable LAP, or Mortgage Loans (NBFCs/HFCs).
• Proven track record of handling high-yielding loan products for self-employed, informal or MSME segments.
• Experience with CRM-driven leads or company-allocated leads, not pure cold sourcing.
• Strong negotiation, understanding of property documents, and local market knowledge.

Responsibilities

• Lead conversion & top-ups on warm leads provided by the organization.
• Affordability property valuation and LAP processing for mortgage top-ups.
• Address customer objections about high interest by highlighting fast disbursement and easy documentation.
• Conduct field visits to assess cash flows and collect property documents.
• Oversee digital file login from KYC to coordination with credit team for approvals.
• Maintain high engagement with top-performing clients to prevent migrations to competitors.

Skills

Lead conversion

Top-ups

ROI value-selling

On-field relationship management

KYC/property docs flow

Portfolio retention

Job description

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 flexible 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).
• Core Competencies: Excellent negotiation skills, property document understanding, and local market geographical knowledge.
• Mandatory Requirement: Must have a two-wheeler and a valid driving license for daily property and business field visits.