Senior Relationship Manager - Micro LAP

Job description

**Role & Responsibilities** - Source new customers for **Micro LAP (Loan Against Property)** through field sales, referrals, connectors, DSAs, and open market sourcing. - Build and maintain relationships with channel partners, property consultants, and local business communities to generate business. - Achieve monthly and quarterly login, sanction, and disbursement targets. - Manage the end-to-end loan process, including customer sourcing, documentation, login, sanction, and disbursement. - Assess customer eligibility based on business income, property valuation, repayment capacity, and credit profile. - Conduct customer visits, business verification, and property inspections as required. - Coordinate with Credit, Legal, Technical, and Operations teams for timely loan processing. - Ensure compliance with KYC, legal, technical, and policy guidelines. - Maintain a healthy login-to-disbursement ratio and improve conversion rates. - Update customer details and case progress in CRM systems. - Deliver excellent customer service by resolving queries and ensuring a smooth loan journey. - Monitor portfolio quality and support collection teams in minimizing delinquency. **Preferred Candidate Profile** - Graduate in any discipline (MBA preferred). - **1 to 5 years of experience in Micro LAP / Loan Against Property / Mortgage Sales** in NBFCs, Banks, or Housing Finance Companies. - Strong field sales experience with exposure to the **Micro LAP segment (ticket size: 4 Lakhs20 Lakhs)**. - Good understanding of secured lending, property evaluation, legal & technical processes, and credit assessment. - Strong communication, negotiation, and relationship management skills. - Target-driven with the ability to work in a fast-paced, field sales environment.