Relationship Manager - Loan Against Property

Kotak Mahindra Bank Limited; Ahmedabad District; On-site; INR 600,000 - 900,000; Full time

Job summary

Kotak Mahindra Prime Ltd. in India seeks a Relationship Manager – LAP to drive the Loan Against Property book through DSA channels and strong market relations. You will ensure timely file submission, credit coordination, and compliance while building a healthy pipeline.

The role demands a graduate with 3+ years in LAP/Home Loans or SME lending, strong relationship skills, and a proactive, target-driven mindset within a fast-paced NBFC-backed banking environment.

Qualifications

• Graduate with minimum qualification.
• Minimum 3 years of LAP/Home Loan/SME lending experience in banking/NBFC.
• Strong relationship management and interpersonal skills.
• Understanding of secured lending and property-related documentation.
• Go-getter attitude with high self-motivation.
• Ability to work in a high-performance, target-driven environment.

Responsibilities

• Acquire LAP customers through DSA channels and onboard DSAs.
• Meet or exceed monthly/quarterly disbursement and fee income targets.
• Coordinate with credit & operations to ensure smooth file processing.
• Track market dynamics and maintain relationships with DSAs and customers.
• Ensure KYC, property valuation, and documentation as per standards.

Skills

Strong relationship management

Interpersonal skills

Secured lending understanding

Self-motivation & target-driven

Education

Graduate

Job description

Relationship Manager – LAP

Relationship Manager_Two Wheeler Finance_0412_2618_1074067_HRR Job Title: Relationship Manager – LAP Designation: Manager Department: Sales – Loan Against Property Reporting to: Area Sales Manager Location: [Specify Location]

About Kotak Mahindra Prime Ltd.

Kotak Mahindra Prime Ltd., a subsidiary of Kotak Mahindra Bank, is one of India’s leading non-banking financial companies (NBFCs), focused on vehicle and asset-backed financing solutions. Operating in a highly competitive NBFC ecosystem, we are committed to delivering fast, flexible, and customer-centric lending solutions.

Role Objective

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.

Key Responsibilities

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.

Sales & Target Achievement

• 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.

Credit & Risk Coordination

• Liaise with credit and operations teams to ensure smooth file processing and disbursal.
• Perform initial screening of customer financials and property documents before file submission.

Market Intelligence & Relationship Management

• 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.

Candidate Profile

Education

Graduate (minimum qualification)

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.

Experience Level

Mid Level