Relationship Manager - LAP ( Nizamabad ) at Credit Saison India

Nizamabad, Telangana, India -

Full Time

Start Date

Immediate

Expiry Date

25 Sep, 26

Salary

0.0

Posted On

27 Jun, 26

Experience

2 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Loan Against Property, Relationship Management, Financial Analysis, Credit Appraisal, Sales Negotiation, Due Diligence, Portfolio Management, Customer Service, Risk Monitoring, Telugu Proficiency

Industry

Financial Services

Description

Job Summary** Responsible for managing and growing a portfolio of Loan Against Property (LAP) clients in the Nizamabad region. This role focuses on building strong customer relationships, achieving sales targets, and ensuring high service standards. Job Responsibilities** * Acquire new clients for Loan Against Property (LAP) products through various channels, including direct sales, channel partners, and referrals. * Manage an existing portfolio of LAP clients, fostering strong relationships to ensure customer satisfaction and repeat business. * Conduct thorough financial analysis and due diligence for LAP applications, assessing creditworthiness and property valuations. * Structure and negotiate LAP deals, ensuring compliance with company policies and regulatory guidelines. * Achieve agreed-upon sales targets for LAP products, contributing to the overall business growth of the Nizamabad branch. * Monitor portfolio performance, identify potential risks, and implement strategies for effective recovery and delinquency management. * Stay updated with market trends, competitor activities, and regulatory changes in the LAP segment. * Collaborate with internal teams, including credit, operations, and legal, to ensure smooth processing and disbursal of loans. * Provide excellent customer service, addressing client queries and concerns efficiently and professionally. * Prepare and submit regular reports on sales activities, portfolio health, and market intelligence to senior management. Job Qualifications** * Bachelor's degree in Finance, Business Administration, or a related field. * Proven experience (2-5 years) in sales and relationship management, specifically within the Loan Against Property (LAP) segment. * Strong understanding of LAP products, credit appraisal, and legal aspects related to property financing. * Excellent communication, negotiation, and interpersonal skills. * Demonstrated ability to achieve sales targets and build lasting client relationships. * Strong analytical and problem-solving abilities. * Proficiency in local language (Telugu) is essential. * Ability to work independently and as part of a team. * Prior experience in the Nizamabad region is highly desirable. At Credit Saison India, we are driven by Innovation, Inclusion, and Integrity to create a meaningful Impact. As one of India's fastest-growing NBFC lenders, our mission is to bridge the credit gap and transform lives by empowering underserved communities. Our journey is fueled by a team of 1,400+ employees across 80+ branches, with an AUM of over $2 billion. Join us and help build a brighter financial future for millions across the country. Established in 2019, Credit Saison India (CS India) is one of the country’s fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting India’s huge gap for credit, especially with underserved and under penetrated segments of the population. Credit Saison India is committed to growing as a lender and evolving its offerings in India for the long-term for MSMEs, households, individuals and more. Credit Saison India is registered with the Reserve Bank of India (RBI) and has an AAA rating from CRISIL (a subsidiary of S&P Global) and CARE Ratings. Currently, Credit Saison India has a branch network of 80+ physical offices, 2.06 million active loans, an AUM of over US$2B and an employee base of about 1,400 employees. Credit Saison India is part of Saison International, a global financial company with a mission to bring people, partners and technology together, creating resilient and innovative financial solutions for positive impact. Across its business arms of lending and corporate venture capital, Saison International is committed to being a transformative partner in creating opportunities and enabling the dreams of people. Saison International is the international headquarters (IHQ) of Credit Saison Company Limited, founded in 1951 and one of Japan’s largest lending conglomerates with over 70 years of history and listed on the Tokyo Stock Exchange. The Company has evolved from a credit-card issuer to a diversified financial services provider across payments, leasing, finance, real estate and entertainment. Based in Singapore, Saison International’s global operations span over Singapore, India, Indonesia, Thailand, Vietnam, Mexico, Brazil, with active investments in debt, equity, corporate venture capital, and technology.

Responsibilities

Manage and grow a portfolio of Loan Against Property (LAP) clients in the Nizamabad region through new acquisitions and relationship management. Conduct financial analysis and due diligence to ensure compliance and achieve sales targets.