Relationship Manager - LAP_Loan Against Property_0412_2936_1040128

Kotak Mahindra Bank; Jamnagar; On-site; INR 600,000 - 1,200,000; Full time

Job summary

Kotak Mahindra Bank is seeking a Relationship Manager – LAP in India. You will source and acquire customers for Loan Against Property, build strong client relationships, and drive loan disbursal while meeting monthly and annual targets.

You will coordinate with Credit, Legal, Technical, Operations, and Risk teams to ensure smooth processing and adherence to policies. The role requires 2-8 years of LAP or secured lending experience, strong communication and negotiation skills, and a proven sales

Qualifications

• 2-8 years of experience in LAP, Mortgage Loans, Home Loans, Business Loans, or secured lending products
• Strong understanding of property-backed lending and credit processes
• Good networking and relationship management skills
• Proven track record in sales and target achievement
• Excellent communication, negotiation and customer engagement skills

Responsibilities

• Source and acquire new customers for Loan Against Property (LAP) business
• Generate leads through market mapping, channel partners, referrals, builders, DSAs, and direct sales activities
• Understand customer financial requirements and recommend suitable lending solutions
• Collect and verify customer documentation required for loan processing
• Coordinate with Credit, Legal, Technical, Operations, and Risk teams for timely sanction and disbursement
• Manage end-to-end customer relationship from sourcing to disbursement
• Achieve monthly and annual business targets for loan acquisition and portfolio growth
• Ensure compliance with bank policies, regulatory guidelines, and process adherence
• Maintain portfolio quality and support collection efforts, if required
• Cross-sell CASA, Insurance, Credit Cards, and other banking products to existing customers

Skills

Relationship building

Communication

Negotiation

Sales orientation

Customer engagement

Education

Graduate/Postgraduate degree

Job description

Job Description:

The Relationship Manager – LAP is responsible for sourcing and acquiring customers for Loan Against Property products, building strong customer relationships, and achieving business targets through effective sales and portfolio management. The role involves identifying customer funding requirements, evaluating eligibility, and coordinating with internal teams for smooth loan processing and disbursement.

Responsibilities

Source and acquire new customers for Loan Against Property (LAP) business.
Generate leads through market mapping, channel partners, referrals, builders, DSAs, and direct sales activities.
Understand customer financial requirements and recommend suitable lending solutions.
Collect and verify customer documentation required for loan processing.
Coordinate with Credit, Legal, Technical, Operations, and Risk teams for timely sanction and disbursement.
Manage end-to-end customer relationship from sourcing to disbursement.
Achieve monthly and annual business targets for loan acquisition and portfolio growth.
Ensure compliance with bank policies, regulatory guidelines, and process adherence.
Maintain portfolio quality and support collection efforts, if required.
Cross-sell CASA, Insurance, Credit Cards, and other banking products to existing customers.

Qualifications

Graduate/Postgraduate in any discipline.
2-8 years of experience in LAP, Mortgage Loans, Home Loans, Business Loans, or secured lending products.
Strong understanding of property-backed lending and credit processes.
Good networking and relationship management skills.
Proven track record in sales and target achievement.
Excellent communication, negotiation, and customer engagement skills.

Requirements: