Relationship Manager – LAP - DSA Management

Zoho; Delhi, Gurugram District; On-site; INR 1,000,000 - 1,800,000; Full time

Job summary

Zoho is seeking a Relationship Manager – LAP (DSA Management) in Delhi/Gurugram to drive growth in Loan Against Property by sourcing cases through DSA channels, building strong market relationships, and ensuring portfolio health.

The role involves acquiring LAP customers via DSAs, onboarding high-potential DSAs, and meeting monthly/quarterly targets while coordinating with credit and operations for smooth processing.

Qualifications

• Minimum 3 years of LAP/Home Loan/SME Lending experience in Banking or NBFC as a full-time permanent employee.
• Bachelor's degree in finance, business administration, or a related field is preferred.
• Strong relationship management and interpersonal skills.
• Understanding of secured lending and property-related documentation.
• Self-motivated with a target-driven attitude.

Responsibilities

• Build and nurture long-term relationships with clients and understand their financial goals.
• Offer LAP products and tailored solutions to meet client needs.
• Guide clients through the loan application process for a smooth experience.
• Stay updated on market trends and competitor offerings.
• Collaborate with underwriting and legal teams for seamless approvals.
• Maintain high customer satisfaction by addressing queries promptly.
• Achieve individual and team sales targets through effective relationship management.
• Conduct regular client meetings and provide loan progress updates.

Skills

Relationship management

Interpersonal skills

CRM proficiency

MS Office

Sales mindset

Regulatory awareness

Education

Bachelor's degree in finance/BA

Tools

CRM systems

MS Office

Job description

Relationship Manager – LAP - DSA Management

Delhi / Gurugram, India | Posted on 10/06/2026

To drive growth in the Loan Against Property (LAP) business by sourcing high-quality cases through DSA (Direct Selling Agent) channels, ensuring portfolio health, and building strong market relationships.

Business Sourcing

• Acquire LAP customers through DSA channels while adhering to internal policies and external regulatory guidelines.
• Identify and onboard high-potential DSAs and maintain strong working relationships.
• Meet or exceed assigned monthly and quarterly disbursement and fee income targets.
• Monitor and drive business volumes in a competitive market, maintaining a healthy pipeline.
• Liaise with credit and operations teams to ensure smooth file processing and disbursement.
• Perform initial screening of customer financials and property documents before file submission.
• Track competitor offerings, pricing, and market dynamics.
• Maintain strong relationships with DSAs, customers, and internal stakeholders.

Compliance & Documentation

• Ensure thorough KYC, property valuation, and legal documentation as per company standards.
• Adhere to audit requirements, regulatory norms, and internal processes.

Responsibilities

• Build and nurture long-term relationships with clients, understanding their financial goals and requirements.
• Offer personalized loan solutions, including Loan Against Property (LAP) products, to meet client needs.
• Guide clients through the loan application process, ensuring a smooth and efficient experience.
• Stay updated on market trends, competitor offerings, and new loan products to provide the best advice to clients.
• Collaborate with internal teams, such as underwriting and legal, to ensure a seamless loan approval process.
• Maintain a high level of customer satisfaction by promptly addressing queries and concerns.
• Achieve individual and team sales targets through effective relationship management and cross-shopping opportunities.
• Conduct regular client meetings and provide periodic updates on loan progress and market insights.
• Identify and mitigate potential risks associated with loan applications, ensuring compliance with regulations.
• Represent the company professionally at industry events and networking opportunities.

Requirements

Experience: Minimum 3 years of relevant experience in LAP/Home Loan/SME Lending in the Banking or NBFC sector as a full-time permanent employee.

Skills:

• Strong relationship management and interpersonal skills
• Understanding of secured lending and property-related documentation
• High level of self-motivation with a go-getter attitude
• Comfortable working in a high-performance, target-driven environment

What We Look For

• A professional who is passionate about sales and willing to go above and beyond.
• Someone who can thrive in a fast-paced, competitive landscape with a solution-oriented mindset.

Qualifications

• A bachelor's degree in finance, business administration, or a related field is preferred.
• Minimum 2-3 years of experience in relationship management, preferably in the financial services industry.
• Strong knowledge of Loan Against Property (LAP) products and the Indian mortgage market.
• Excellent interpersonal and communication skills, with a client-centric approach.
• Ability to build trust and rapport with clients, offering tailored financial solutions.
• Proficiency in MS Office and familiarity with CRM systems for efficient relationship management.
• Analytical skills to interpret financial data and offer suitable loan recommendations.
• Self-motivated and results-driven, with a track record of achieving sales targets.
• Strong work ethic, with the ability to work independently and as part of a team.
• Willingness to stay updated on industry trends and regulatory changes.