Relationship Manager - Affordable HL & LAP - West(MH & MP)

Credit Saison India; Dewas; On-site; INR 320,000 - 520,000; Full time

Job summary

Credit Saison India is hiring a Relationship Officer to lead secured direct lending activities. The role focuses on sourcing loan applications through self-sourcing and connectors, while building strong client relationships and ensuring compliance with credit guidelines.

The incumbent will handle end-to-end processing and reporting, reporting to Sales Manager in a Fixed-Term Contract. Strong communication and negotiation skills are essential for success.

Qualifications

• XII cleared.
• 1-2 years of experience in direct sourcing of affordable mortgage loans (LAP and HL).
• Understanding of mortgage loan legal and technical aspects.

Responsibilities

• Sourcing loans through self-sourcing (cold calling, field visits, referrals, digital platforms).
• Build and manage connectors network (property dealers, chartered accountants, channel partners) to source loan applications.
• Coordinate with internal credit and operations teams to ensure timely loan processing and disbursal.
• Maintain compliance with regulatory and organizational credit guidelines and document records.

Skills

Communication skills

Interpersonal skills

Negotiation skills

Self-motivated

Sales target achievement

Field networking

Education

12th / HSC

Job description

Job Summary

We are seeking a motivated and results-driven Relationship Officer to join our Secured

We are seeking a motivated and results-driven Relationship Officer to join our Secured Direct lending team. The primary responsibility of this role is to source and process loan applications through self-sourcing and a network of connectors The candidate will be the face of the organization, building strong client relationships while ensuring adherence to compliance and credit guidelines.

Job Title: Relationship Manager

Department: Secured- Direct

Reports To: Sales Manager

Employment Type: FTC

Key Responsibilities

Loan Sourcing:

• Proactively generate leads through self-sourcing (cold calling, field visits, referrals, digital platforms, etc.).
• Build and manage a reliable network of connectors such as property dealers, chartered accountants, and other channel partners to source loan applications.
• Conduct regular follow-ups with leads to maximize conversion.

Client Relationship Management:

• Engage with prospective borrowers to understand their financial needs and provide suitable loan products.
• Maintain relationships with existing customers to encourage referrals and repeat business.

Application Processing:

• Collect, verify, and ensure timely submission of all necessary documentation required for loan processing.
• Coordinate with internal credit and operations teams to ensure smooth processing and disbursal of loans.

Compliance And Reporting:

• Ensure all applications comply with regulatory and organizational credit guidelines.
• Maintain accurate records of lead sourcing, customer interactions, and loan application statuses.
• Prepare and submit daily/weekly/monthly reports to management.

Qualifications And Skills

• XII cleared.
• 1-2 years of experience in Direct sourcing of Affordable Mortgage loans ( LAP and HL)
• Understanding of Legal and Technical aspects of mortgage loans
• Good understanding of local economy.
• Good communication, interpersonal, and negotiation skills.
• Proven ability to achieve sales targets and build strong partner networks.
• Self-motivated with a result-oriented approach.

Key Performance Indicators (KPIs)

• Number of loans sourced (monthly/quarterly targets).
• Conversion rate from lead to disbursal.
• Value of loans disbursed.
• Quality and productivity of sourced leads (NPA % and rejection rate).
• Expansion and effectiveness of connector network.

Compensation

• Fixed salary + performance-based incentives
• Allowances as per company policy

12th / Higher Secondary Certificate (HSC)