Relationship Manager - Affordable Housing and Loan Sales

Kotak Mahindra Bank; Chennai; Presencial; INR 300.000 - 520.000; Jornada completa

Descripción de la vacante

Kotak Mahindra Bank is seeking a Relationship Manager-Vishwas-Sales in Chennai to drive business development for housing loans and related products. You will onboard and scale DSAs, conduct lead generation through field activities, and guide customers through the loan lifecycle while coordinating with credit and operations to ensure smooth processing.

The role emphasizes regular communication with applicants, ROI/fee explanations, and building long-term customer relationships, including

Formación

• Graduate or Postgraduate degree in any stream (Management/Finance preferred).
• Typically 0–4 years of relevant experience in housing finance, mortgages, or micro-LAP sales.

Responsabilidades

• Business Development: Achieve monthly and quarterly sales targets by selling Affordable Housing Loans, Home Improvement Loans, and Loans Against Property.
• Channel Management: Onboard, manage, and scale networks of Direct Selling Agents (DSAs), local connectors, property builders, and alternate channels.
• Lead Generation: Conduct direct marketing activities, visit self-construction sites, and run open-market campaigns to source potential clients.
• File & Documentation Management: Guide customers through the loan lifecycle. Help collect Know Your Customer (KYC) details, complete applications, and mitigate issues.
• Internal Coordination: Collaborate closely with credit, underwriting, and operations teams to optimize processing TAT and resolve pending issues.
• Customer Retention & Support: Provide regular status updates to applicants, explain ROI and fees clearly, and build long-term relationships.
• Portfolio Quality & Collections: Keep portfolio delinquency low by coordinating initial stages of debt collection where required ("Sales & Collect" model).
• Cross-Selling: Cross-sell relevant third-party products like property/life insurance and allied financial offerings.

Conocimientos

Business Development

Channel Management

Lead Generation

Customer Relationship

Cross-Selling

Educación

Graduate or Postgraduate degree

Descripción del empleo

Relationship Manager-Vishwas-Sales

Key Roles & Responsibilities

• Business Development: Achieve monthly and quarterly sales targets by selling Affordable Housing Loans, Home Improvement Loans, and Loans Against Property
• Channel Management: Onboard, manage, and scale networks of Direct Selling Agents (DSAs), local connectors, property builders, and alternate channels.
• Lead Generation: Conduct direct marketing activities, visit self-construction sites, and run open-market campaigns to source potential clients.
• File & Documentation Management: Guide customers through the loan lifecycle. Help collect Know Your Customer (KYC) details, complete applications, and mitigate
• Internal Coordination: Collaborate closely with credit, underwriting, and operations teams to optimize processing TAT and resolve pending issues.
• Customer Retention & Support: Provide regular status updates to applicants, explain ROI and fees clearly, and build long-term relationships.
• Portfolio Quality & Collections: Keep portfolio delinquency low by coordinating initial stages of debt collection where required ("Sales & Collect" model).
• Cross-Selling: Cross-sell relevant third-party products like property/life insurance and allied financial offerings.

Experience & Qualifications

• Education: Graduate or Post Graduate degree in any stream (Management/Finance preferred).
• Experience: Typically 0–4 years of relevant experience in housing finance, mortgages, or micro-LAP sales.
• Experience Level Mid Level