Relationship Manager - Loan Against Property

Kotak Mahindra Bank; Ghaziabad District; On-site; INR 450,000 - 750,000; Full time

Job summary

Kotak Mahindra Prime Ltd. in India seeks a Relationship Manager – LAP to drive growth in Loan Against Property via DSA channels. You will manage high-potential DSAs, ensure portfolio health, and achieve monthly and quarterly targets with compliance to policies and regulatory norms.

You will collaborate with credit and operations teams to smooth disbursals, review customer documents, and maintain strong market relationships in a fast-paced, target-driven environment.

Qualifications

• Relationship building and client management skills.
• Understanding of property-related documentation and secured lending processes.
• Proactive, self-driven attitude with a focus on targets.
• Ability to thrive in a fast-paced sales environment.

Responsibilities

• Acquire LAP customers through DSA channels while adhering to policies and guidelines.
• Identify and onboard high-potential DSAs and maintain strong relationships.
• Meet or exceed monthly and quarterly disbursement and fee income targets.
• Monitor and drive business volumes in a competitive market and maintain a healthy pipeline.
• Liaise with credit and operations teams to ensure smooth file processing and disbursal.
• Perform initial screening of customer financials and property documents before submission.
• Track competitor offerings, pricing, and market dynamics.
• Maintain strong relationships with DSAs, customers, and internal stakeholders.
• Ensure thorough KYC, property valuation, and legal documentation as per standards.
• Adhere to audit requirements, regulatory norms, and internal processes.

Skills

Relationship management

Secured lending knowledge

Self-motivation

Target-driven

Education

Graduate

Job description

Relationship Manager – LAP

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

• 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 disbursal.
• 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.
• 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