Walk In Drive || Relationship Manager - LAP || Delhi Location

Job description

Relationship Manager - LAP (Loans Against Property) Location : Delhi Employment Type : Full Time Grade Offered : M2/M3/M4 (Deputy Manager/Manager/Senior Manager) Reporting to: Area Sales Manager - LAP Role Objective: To drive growth in the Loans Against Property (LAP) business by sourcing high-quality cases through DSA (Direct Selling Agent) channels, ensuring portfolio health, and building strong market relationships. Role : Business Sourcing: - Acquire LAP/Mortgage 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 Responsibilities • Build and nurture long-term relationships with clients, understanding their financial goals and requirements. • Offer personalized loan solutions, including Loans Against Property (LAP) products, to meet client needs. • Guide clients through the loan application process, ensuring a smooth and efficient experience. • Stay updated on market trends, competitor offerings, and new loan products to provide the best advice to clients. • Collaborate with internal teams, such as underwriting and legal, to ensure a seamless loan approval process. • Maintain a high level of customer satisfaction by promptly addressing queries and concerns. • Achieve individual and team sales targets through effective relationship management and cross-selling opportunities. • Conduct regular client meetings and provide periodic updates on loan progress and market insights. • Identify and mitigate potential risks associated with loan applications, ensuring compliance with regulations. • Represent the company professionally at industry events and networking opportunities. 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. • A bachelor's degree in finance, business administration, or a related field is preferred. • Minimum 2-3 years of experience in relationship management, preferably in the financial services industry. • Strong knowledge of Loans Against Property (LAP) products and the Indian mortgage market. • Excellent interpersonal and communication skills, with a client-centric approach. • Ability to build trust and rapport with clients, offering tailored financial solutions. • Proficiency in MS Office and familiarity with CRM systems for efficient relationship management. • Analytical skills to interpret financial data and offer suitable loan recommendations. • Self-motivated and results-driven, with a track record of achieving sales targets. • Strong work ethic, with the ability to work independently and as part of a team. • Willingness to stay updated on industry trends and regulatory changes. Interview Details Date: 16th Sept' 2026 (Wednesday) Time: 11:30 AM - 3:00 PM Contact Person: Akhil Jain (Zonal Head-LAP) & Aatish Verma (HR) Venue : Kotak Mahindra Bank, Epicah Mall 2nd Floor- Moti Nagar, Near Moti Nagar Metro Station Delhi - 110015. Note : Be in formal attire and bring your updated resume. Looking forward to meet you!! Regards Kotak HR Team