Relationship Manager-Housing Finance-Sales
Kotak Mahindra Bank — Chennai, CHENNAI
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Job Description
We are seeking a driven and experienced Relationship Manager to manage and grow the DSA (Direct Selling Agent) or branch channel for mortgage products. This is an individual contributor role focused on driving sales, ensuring compliance, and managing end-to-end case processing. The ideal candidate will have a strong background in mortgage sales, excellent communication skills, and the ability to build and manage rela+P33:P35tionships with DSAs and internal stakeholders.
Key Roles & Responsibilities
- Business Development: Achieve monthly and quarterly sales targets by selling Affordable Housing Loans, Home Improvement Loans, and Loans Against Property (LAP). [1, 2]
- Channel Management: Onboard, manage, and scale networks of Direct Selling Agents (DSAs), local connectors, property builders, and alternate channels. [1, 2]
- Lead Generation: Conduct direct marketing activities, visit self-construction sites, and run open-market campaigns to source potential clients. [1, 2]
- File & Documentation Management: Guide customers through the loan lifecycle. Help collect Know Your Customer (KYC) details, complete applications, and mitigate file errors. [1, 2]
- Internal Coordination: Collaborate closely with credit, underwriting, and operations teams to optimize processing TAT and resolve pending issues. [1, 2]
- Customer Retention & Support: Provide regular status updates to applicants, explain ROI and fees clearly, and build long-term relationships. [1, 2]
- Portfolio Quality & Collections: Keep portfolio delinquency low by coordinating initial stages of debt collection where required ("Sales & Collect" model). [1, 2]
- Cross-Selling: Cross-sell relevant third-party products like property/life insurance and allied financial offerings. [1, 2]
🎓 Experience & Qualifications
- Education: Graduate or Post Graduate degree in any stream (Management/Finance preferred).
- Experience: Typically 0–4 years of relevant experience in housing finance, mortgages, or micro-LAP sales.
Industry Knowledge: Comprehensive understanding of affordable housing loan metrics and government initiatives like credit subsidies
Frequently Asked Questions
What are the eligibility criteria for the Relationship Manager-Housing Finance-Sales job at Kotak Mahindra Bank?
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.
What are the primary responsibilities of a Relationship Manager-Housing Finance-Sales at Kotak Mahindra Bank?
The key responsibilities for this role are detailed in the Key Responsibilities section above, covering the core duties expected of a Relationship Manager-Housing Finance-Sales at Kotak Mahindra Bank.
Is prior experience required for this position?
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.
What skills are important for this role?
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.
How do I apply for the Relationship Manager-Housing Finance-Sales role at Kotak Mahindra Bank?
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.
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