Relationship Manager-Loan Against Property LAP -Sales

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

Job summary

Kotak Mahindra Prime Ltd. is seeking a Relationship Manager for Loan Against Property (LAP) to drive growth via DSA channels and manage end-to-end loan processes.

The role requires a graduate with at least 3 years in LAP/Home Loan or SME lending, strong relationship skills, and a proactive, target-driven mindset to thrive in a fast-paced banking environment.

Qualifications

• Graduate (minimum qualification).
• Minimum 3 years of LAP/Home Loan/SME Lending experience in Banking or NBFC sector.
• Strong relationship management and interpersonal skills.

Responsibilities

• Acquire LAP customers through DSA channels and adhere to policies.
• Meet or exceed monthly/quarterly disbursement targets and fees.
• Coordinate with credit/operations for smooth file processing and disbursal.
• Track market dynamics; maintain relationships with DSAs, customers & stakeholders.
• Ensure thorough KYC, property valuation and documentation per standards.

Skills

Relationship management

Interpersonal skills

Secured lending

Documentation basics

Go-getter attitude

Education

Graduate

Job description

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.

Requirements: