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.