Relationship Manager-Bharat Business-Bharat Business Loans-Sales

Kotak Mahindra Bank; Visakhapatnam; On-site; INR 4,00,000 - 6,00,000; Full time

Job summary

A reputed financial institution in Visakhapatnam is seeking a Relationship Manager for its Bharat Business Loans division. The role involves sourcing new customers, managing client relationships, and achieving sales targets for Loan Against Property and Affordable Housing products. Strong interpersonal skills and sales experience are essential. This full-time position is an excellent opportunity to develop a career in the financial sector.

Qualifications

• Experience in business development and credit assessment.
• Ability to manage customer lifecycle from lead generation to loan disbursement.
• Sound understanding of loan products and market trends.

Responsibilities

• Responsible for sourcing new customers and managing existing relationships.
• Build and maintain relationships with key stakeholders like builders and agents.
• Achieve sales targets for LAP and affordable loans.

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

Education

Bachelor's Degree

Job description

Relationship Manager-Bharat Business-Bharat Business Loans-Sales

Visakhapatnam, Andhra Pradesh, India

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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.
  • 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 teamGood knowledge of financial documents and credit underwriting

Job Info

• Job Identification 220301
• Job Category KMBL
• Posting Date 11/18/2025, 10:43 AM
• Apply Before 12/18/2025, 10:43 AM
• Degree Level Bachelor's Degree
• Job Schedule Full time
• Locations The Landmark, Unit G‑1, Visakhapatnam, Andhra Pradesh, 530003, IN