Relationship Manager-Loan Against Property LAP -Sales

Job Description

Job Title: Relationship Manager – LAP

Designation: Manager

Department: Sales – Loan Against Property

Reporting to: Area Sales Manager

Location: [Specify Location]

About Kotak Mahindra Prime Ltd.

Kotak Mahindra Prime Ltd., a subsidiary of Kotak Mahindra Bank, is one of India’s leading non-banking financial companies (NBFCs), focused on vehicle and asset-backed financing solutions. Operating in a highly competitive NBFC ecosystem, we are committed to delivering fast, flexible, and customer-centric lending solutions.

Role Objective

To drive growth in the Loan Against Property (LAP) business by sourcing high-quality cases through DSA (Direct Selling Agent) channels, ensuring portfolio health, and building strong market relationships.

Key Responsibilities

Business Sourcing

• Acquire LAP customers through DSA channels while adhering to internal policies and external regulatory guidelines.
• Identify and onboard high-potential DSAs and maintain strong working relationships.
  
  

• 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.
  
  

• 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.
  
  

• Track competitor offerings, pricing, and market dynamics.
• Maintain strong relationships with DSAs, customers, and internal stakeholders.
  
  

• Ensure thorough KYC, property valuation, and legal documentation as per company standards.
• Adhere to audit requirements, regulatory norms, and internal processes.
  
  

• 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
  
  

• 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.