Relationship Manager-Bharat Business-Bharat Business Loans-Sales

Kotak Mahindra Bank; Jalgaon; On-site; INR 6,75,000 - 9,00,000; Full time

Job summary

A leading financial institution in India is seeking a Relationship Manager for LAP & Affordable Loans. The role focuses on sourcing new customers, managing relationships, and driving portfolio growth. Responsibilities include business development, credit assessment, and achieving sales targets while ensuring high customer satisfaction. Applicants should possess strong interpersonal skills and a customer-centric mindset. This position requires the ability to work independently and knowledge of financial documents. Join us in enhancing our customer relationships and product offerings.

Responsibilities

• Source new clients through market visits, channel partners, and referrals.
• Manage customer lifecycle from lead generation to loan disbursement.
• Conduct initial credit evaluation and financial analysis of customers.
• Achieve monthly and quarterly sales targets for LAP and affordable loans.
• Keep abreast of market trends, competitor products, and pricing strategies.

Skills

Strong interpersonal and communication skills

Proven sales and negotiation abilities

Customer-centric mindset

Ability to work independently and in a team

Good knowledge of financial documents and credit underwriting

Job description

The Relationship Manager – LAP & Affordable Loans is responsible for sourcing new customers and managing existing relationships to grow the Loan Against Property (LAP) and Affordable Housing Loan portfolio. The role involves business development, credit analysis, and providing exceptional customer service to ensure high customer satisfaction and retention.

Key Responsibilities

Business Development

• Source new clients through market visits, channel partners, and referrals.
• Promote LAP and affordable home loan products in the assigned territory.
• Build and maintain relationships with key stakeholders like builders, real estate agents, and DSA partners.

Customer Relationship Management

• Manage customer lifecycle from lead generation to loan disbursement.
• Handle client queries and ensure timely resolution.
• Regularly follow up with existing customers for renewals, cross-sell opportunities, and referrals.

Credit Assessment

• Conduct initial credit evaluation and financial analysis of customers.
• Ensure compliance with company’s risk policy and documentation standards.
• Liaise with credit and operations teams to ensure smooth processing and disbursement of loans.

Sales Target Achievement

• Achieve monthly and quarterly sales targets for LAP and affordable loans.
• Monitor performance and proactively take corrective actions to ensure goals are met.

Market Intelligence

• Keep abreast of market trends, competitor products, and pricing strategies.
• Provide feedback and insights to the product and marketing teams.

Skills Required

• Strong interpersonal and communication skills
• Proven sales and negotiation abilities
• Customer-centric mindset
• Ability to work independently and in a team
• Good knowledge of financial documents and credit underwriting