Relationship Manager - Loan Against Property (LAP)

Kotak Mahindra Bank Limited; Khordha; On-site; INR 700,000 - 1,100,000; Full time

Job summary

Kotak Mahindra Prime Ltd. in Odisha is seeking a Relationship Manager to drive Loan Against Property (LAP) business through DSA channels, building strong customer and DSA relationships while ensuring compliance with internal and regulatory standards.

The role emphasizes sourcing high-quality LAP cases, coordinating with credit and operations teams, and achieving monthly and quarterly targets in a fast-paced, achievement-oriented environment.

Qualifications

• Graduate with minimum 3 years of relevant LAP/Home Loan/SME Lending experience in Banking/NBFC.
• Strong relationship management and interpersonal skills.
• Understanding of secured lending and property-related documentation.
• High motivation with a go-getter attitude and ability to work in a target-driven environment.

Responsibilities

• Acquire LAP customers through DSA channels while adhering to policies and regulatory guidelines.
• Meet or exceed monthly and quarterly disbursement and fee income targets.
• Coordinate with credit and operations to ensure smooth processing and disbursal.
• Perform initial screening of customer financials and property documents.
• Track competitor offerings and market dynamics; maintain relationships with DSAs, customers, and internal stakeholders.
• Ensure thorough KYC, property valuation, and legal documentation as per standards.

Skills

Relationship management

Interpersonal skills

Understanding secured lending

Property-related documentation

Go-getter attitude

Target-driven mindset

Education

Graduate

Job description

Relationship Manager_Two Wheeler Finance_0412_7246_1053945_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