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The Relationship Manager – LAP & Affordable Loans is responsible for sourcing new customers and managing existing relationships to grow the Loan Against Property (LAP) and Affordable Housing Loan portfolio. The role involves business development, credit analysis, and providing exceptional customer service to ensure high customer satisfaction and retention.
Key Responsibilities:
· Business Development:
o Source new clients through market visits, channel partners, and referrals.
o Promote LAP and affordable home loan products in the assigned territory.
o Build and maintain relationships with key stakeholders like builders, real estate agents, and DSA partners.
· Customer Relationship Management:
o Manage customer lifecycle from lead generation to loan disbursement.
o Handle client queries and ensure timely resolution.
o Regularly follow up with existing customers for renewals, cross-sell opportunities, and referrals.
· Credit Assessment:
o Conduct initial credit evaluation and financial analysis of customers.
o Ensure compliance with company’s risk policy and documentation standards.
o Liaise with credit and operations teams to ensure smooth processing and disbursement of loans.
· Sales Target Achievement:
o Achieve monthly and quarterly sales targets for LAP and affordable loans.
o Monitor performance and proactively take corrective actions to ensure goals are met.
· Market Intelligence:
o Keep abreast of market trends, competitor products, and pricing strategies.
o Provide feedback and insights to the product and marketing teams.
Skills Required:
· Strong interpersonal and communication skills
· Proven sales and negotiation abilities
· Customer-centric mindset
· Ability to work independently and in a team
Good knowledge of financial documents and credit underwriting
Eligibility typically includes the qualifications and experience outlined in the job description above, with around 0-5 Years years of relevant experience expected for this role.
The key responsibilities for this role are detailed in the Key Responsibilities section above, covering the core duties expected of a Relationship Manager-Bharat Business-Bharat Business Loans-Sales at Kotak Mahindra Bank.
This role requires around 0-5 Years years of relevant experience, as specified in the job listing. Please refer to the Qualifications & Experience section above for full details.
Skills relevant to this position are outlined in the Qualifications & Experience section above. In general, strong communication, domain knowledge, and the ability to meet role-specific targets are valued across similar BFSI positions.
You can apply directly using the Apply Now button on this page, which will take you to Kotak Mahindra Bank's application process for this role.