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

Credit Saison India; Solapur; On-site; INR 220,000 - 420,000; Full time

Job summary

Credit Saison India is seeking a Relationship Manager to drive loan sourcing and client relationships within the Secured Direct lending team. The role involves self-sourcing leads, managing a network of connectors, and ensuring timely loan processing with compliance adherence.

The candidate should have 1–2 years of experience in direct sourcing of affordable mortgage loans, solid communication and negotiation skills, and a strong understanding of mortgage loan processes.

Qualifications

• 12th pass (HSC) required.
• 1–2 years in direct sourcing of affordable mortgage loans (LAP and HL).
• Understanding of legal and technical aspects of mortgage loans.
• Good communication, interpersonal, and negotiation skills.
• Proven ability to achieve sales targets and build partner networks.

Responsibilities

• Loan Sourcing: generate leads via self-sourcing and connectors; build a connector network; follow up to maximize conversions.
• Client Relationship Management: engage borrowers, understand needs, provide suitable loan products; nurture existing customers for referrals.
• Application Processing: collect, verify and submit documentation; coordinate with credit and operations for smooth processing.
• Compliance And Reporting: ensure regulatory and company credit guidelines; maintain records; prepare reports to management.

Skills

Lead generation

Relationship management

Negotiation

Communication

Networking

Education

12th pass

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)