Relationship Manager - LAP Karnataka

Kreditbee; Chennai District; On-site; INR 600,000 - 900,000; Full time

Job summary

KreditBee is hiring a Relationship Manager - LAP to drive growth by sourcing LAP customers through DSAs, connectors, builders, and open market channels while delivering a superior customer experience throughout the loan lifecycle.

You will collaborate with Credit, Operations, Legal, and Technical teams to ensure smooth processing and timely disbursement, while meeting sales targets in a fast-paced lending environment.

Qualifications

• Bachelor's degree in Business Administration, Commerce, Finance, Marketing, or related.
• 2–6 years in LAP, home loans, mortgage loans or secured lending.
• Experience sourcing business through DSAs, connectors, builders and direct channels.

Responsibilities

• Acquire LAP customers through open market sourcing and channel partners.
• Hit monthly, quarterly and annual sales targets while maintaining portfolio quality.
• Develop relationships with DSAs, connectors, builders and referral partners.
• Coordinate with Credit, Operations, Legal and Risk to ensure timely loan processing.
• Monitor loan applications and ensure underwriting quality and timely disbursement.

Skills

Channel sales

Customer relations

Sales targets

MS Excel

Education

Bachelor's degree in Business Admin/Commerce/Finance/Marketing

Tools

Excel

PowerPoint

Job description

Job Title: Relationship Manager – Loan Against Property (LAP )

About the Role

We are looking for a dynamic and result-oriented Relationship Manager – Loan Against Property (LAP) to join our Sales team and drive business growth by acquiring new customers and strengthening channel partnerships. In this role, you will be responsible for sourcing LAP business through Direct Sales Agents (DSAs), connectors, builders, and open market channels while ensuring a superior customer experience throughout the loan lifecycle. You will collaborate closely with Credit, Operations, Legal, and Technical teams to enable seamless loan processing and achieve business targets.

What You'll Do

Business Development & Sales

• Acquire new Loan Against Property (LAP) customers through open market sourcing, referrals, DSAs, connectors, and other channel partners.
• Achieve monthly, quarterly, and annual sales targets while maintaining portfolio quality.
• Identify new business opportunities and develop strong local market presence.
• Generate leads through self-sourcing, field visits, and relationship-building activities.

Relationship Management

• Build and maintain strong relationships with DSAs, connectors, builders, Chartered Accountants (CAs), and other business referral partners.
• Develop long-term customer relationships to drive repeat business and referrals.
• Ensure high levels of customer satisfaction by providing timely updates and end-to-end support throughout the loan process.
• Resolve customer and partner queries promptly to enhance overall experience.
• Coordinate with Credit, Operations, Legal, Technical, and Risk teams to ensure smooth processing and timely loan disbursement.
• Collect and verify customer documentation in line with organizational policies and regulatory requirements.
• Monitor loan applications to ensure faster turnaround time (TAT) and quality processing.
• Ensure healthy portfolio performance by maintaining strong underwriting quality and minimizing delinquencies.

Market Development

• Conduct regular market mapping to identify new business opportunities and competitive insights.
• Build visibility for the organization through local marketing initiatives and customer engagement activities.
• Stay updated on market trends, competitor offerings, and customer requirements to drive business growth.
• Contribute to branch-level business planning and market expansion initiatives.

What We're Looking For

Educational Background

• Bachelor's degree in Business Administration, Commerce, Finance, Marketing, or a related discipline.

Professional Experience

• 2 - 6 years of experience in Loan Against Property (LAP), Home Loans, Mortgage Loans, Business Loans, or Secured Lending.
• Proven track record of achieving sales targets in retail lending or financial services.
• Experience in sourcing business through DSAs, connectors, builders, and direct channels is preferred.

Technical Expertise

• Good understanding of Loan Against Property products, secured lending processes, and mortgage documentation.
• Familiarity with credit assessment, property evaluation, legal and technical documentation, and loan processing.
• Basic knowledge of banking, NBFC, or financial services products.
• Proficiency in MS Office applications, particularly Excel and PowerPoint.

Nice to Have

Domain Knowledge

• Experience in NBFCs, Banks, Housing Finance Companies (HFCs), or FinTech organizations.
• Strong local market knowledge with an established network of DSAs, connectors, builders, and referral partners.
• Understanding of property valuation, legal documentation, and mortgage processes.
• Experience in cross-selling financial products such as Insurance, Business Loans, Home Loans, or Working Capital products.
• Knowledge of CRM systems and lead management platforms.
• Exposure to field sales and channel sales management.

Why You'll Love Working With Us

• Opportunity to build a successful career in one of the fastest-growing lending businesses.
• Attractive performance-based incentives along with competitive compensation.
• Work with experienced leaders in a collaborative and high-performance culture.
• Continuous learning, training, and career growth opportunities.
• Ownership-driven environment with opportunities to make a meaningful business impact.

Position: Relationship Manager - Loan Against Property (LAP)

Employment Type: Full-Time

Experience Level: 2 - 6 Years

Work Location: Multiple locations (Devanagere, Devanahalli, Doddakallasandra, Hassan, Haveri, Hoskote, Hosur, Kolar, Peenya)

Work Model: On-site

Disclaimer

This job description is intended to outline the general nature and key responsibilities of the position. It is not intended to be an exhaustive list of all duties, responsibilities, or qualifications associated with the role. The responsibilities and qualifications described may be subject to change, and other duties may be assigned as needed. Employment is at-will, meaning the employee or the employer may terminate the employment relationship at any time, with or without cause, and with or without notice.

By applying for this position, you acknowledge and agree that any personal data you provide may be used for recruitment and employment purposes. The data collected will be stored and processed in accordance with our privacy policy and applicable data protection laws. Your information will only be shared with relevant internal stakeholders and will not be disclosed to third parties without your consent, unless required by law.