Relationship Manager-Loan Against Property (LAP)-Sales

Kotak Mahindra Bank; Mumbai; On-site; INR 600,000 - 900,000; Full time

Job summary

Kotak Mahindra Prime Ltd., a subsidiary of Kotak Mahindra Bank, invites applications for a Relationship Manager – LAP in Mumbai. You will source LAP cases via DSA channels, ensure portfolio health, and build strong market relationships to drive growth in the LAP business.

The successful candidate will have at least 3 years of LAP/Home Loan/SME lending experience in banking or NBFCs, with strong relationship skills and a track record of target achievement in a fast-paced environment.

Qualifications

• Graduate with minimum 3 years LAP/Home Loan/SME lending experience in banking or NBFC.
• Strong relationship management and interpersonal skills.
• Understanding of secured lending and property-related documentation.
• Ability to perform under high targets and regulatory compliance.

Responsibilities

• Acquire LAP customers through DSA channels while following policies.
• Meet monthly/quarterly disbursement and fee targets.
• Coordinate with credit and operations for smooth processing.
• Track market dynamics and maintain DSA relationships.
• Ensure KYC, valuation, and legal documentation as per standards.

Skills

Relationship mgmt

DSA channels

Target oriented

LAP lending knowledge

Interpersonal skills

Education

Graduate

Job description

Job Description

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.