Relationship Manager-Bharat Business-Bharat Business Loans-Sales at Kotak Mahindra Bank

Kumbakonam, tamil nadu, India -

Full Time

Start Date

Immediate

Expiry Date

14 May, 26

Salary

0.0

Posted On

13 Feb, 26

Experience

2 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Interpersonal Skills, Communication Skills, Sales, Negotiation, Customer-Centric Mindset, Independent Work, Teamwork, Financial Document Analysis, Credit Underwriting, Business Development, Relationship Management, Credit Analysis, Market Intelligence

Industry

Banking

Description

The Relationship Manager – LAP & Affordable Loans is responsible for sourcing new customers and managing existing relationships to grow the Loan Against Property (LAP) and Affordable Housing Loan portfolio. The role involves business development, credit analysis, and providing exceptional customer service to ensure high customer satisfaction and retention. Key Responsibilities: ? Business Development: o Source new clients through market visits, channel partners, and referrals. o Promote LAP and affordable home loan products in the assigned territory. o Build and maintain relationships with key stakeholders like builders, real estate agents, and DSA partners. ? Customer Relationship Management: o Manage customer lifecycle from lead generation to loan disbursement. o Handle client queries and ensure timely resolution. o Regularly follow up with existing customers for renewals, cross-sell opportunities, and referrals. ? Credit Assessment: o Conduct initial credit evaluation and financial analysis of customers. o Ensure compliance with company’s risk policy and documentation standards. o Liaise with credit and operations teams to ensure smooth processing and disbursement of loans. ? Sales Target Achievement: o Achieve monthly and quarterly sales targets for LAP and affordable loans. o Monitor performance and proactively take corrective actions to ensure goals are met. ? Market Intelligence: o Keep abreast of market trends, competitor products, and pricing strategies. o Provide feedback and insights to the product and marketing teams. Skills Required: ? Strong interpersonal and communication skills ? Proven sales and negotiation abilities ? Customer-centric mindset ? Ability to work independently and in a team Good knowledge of financial documents and credit underwriting

Responsibilities

The Relationship Manager is tasked with sourcing new customers and managing existing relationships to expand the Loan Against Property (LAP) and Affordable Housing Loan portfolio. Key duties include business development through market outreach, managing the full customer lifecycle, conducting initial credit assessments, and ensuring sales targets are met.