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

Credit Saison India; Jalgaon; On-site; INR 250,000 - 350,000; Full time

Benefits offered by this job

Performance-based incentives

Company allowances

Job summary

Credit Saison India is seeking a Relationship Manager for its Secured Direct lending segment. You will source loan applications via self-sourcing and connectors, build a strong borrower network, and manage end-to-end processing while ensuring compliance with credit guidelines.

The role requires understanding mortgage loan legalities, 1-2 years of sourcing experience, and excellent communication and negotiation skills. This fixed-term contract offers incentives and allowances as per policy.

Qualifications

• XII cleared.
• 1-2 years of experience in direct sourcing of affordable mortgage loans.
• Understanding of legal and technical aspects of mortgage loans.
• Good communication, interpersonal and negotiation skills.
• Self-motivated with a result-oriented approach.

Responsibilities

• Loan Sourcing: Proactively generate leads through self-sourcing and build a network of connectors to source loan applications.
• Client Relationship Management: Engage with prospective borrowers and maintain relationships to encourage referrals and repeat business.
• Application Processing: Collect, verify, and submit required documentation for loan processing in coordination with credit and operations teams.
• Compliance And Reporting: Ensure compliance with regulatory guidelines and maintain records; submit periodic reports to management.

Skills

Communication

Interpersonal skills

Negotiation

Sales targets

Self-motivated

Mortgage knowledge

Local economy understanding

Education

XII cleared

Job description

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)