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

Credit Saison India; Maharashtra; On-site; INR 350,000 - 550,000; Full time

Job summary

Credit Saison India seeks a proactive Relationship Manager to join our Secured Direct lending team. You will source loan applications via self-sourcing and connectors, serving as the face of the company while complying with credit guidelines.

Responsibilities include sourcing, relationship management, processing coordination with credit and operations, and maintaining records. This FTC role offers incentives and growth opportunities.

Qualifications

• 12th pass with good academic record.
• 1-2 years of Direct sourcing experience in Affordable Mortgage loans (LAP and HL).
• Understanding of mortgage loan legal and technical aspects.
• Good communication and negotiation skills.

Responsibilities

• Source loan applications through self-sourcing and connectors; drive conversions.
• Engage with prospective borrowers and manage relationships for repeat business.
• Coordinate document collection and submission for processing; liaise with credit/ops teams.
• Ensure compliance with regulatory and credit guidelines; maintain records and reports.

Skills

Communication skills

Interpersonal skills

Negotiation skills

Sales target achievement

Partner networks

Education

XII cleared

Job description

Job Title: Relationship Manager

Department: Secured- Direct

Reports To: Sales Manager

Employment Type: FTC

Job Summary

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.

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)