Direct Business Relationship Manager - Loan Against Property

Direct Business Relationship Manager-Loan Against Property- Sales Job Description Job Title: Direct Business 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: T o drive growth in the Loan Against Property (LAP) business by directly sourcing leads from the market, internal customer databases, cold calls, and referrals. The role requires excellent selling skills, strong negotiation capabilities, and a high level of initiative to build a quality book of business. Key Responsibilities: Business Sourcing: - Source LAP customers directly from the market using internal databases, cold calling, and personal networking. - Follow up on internally generated leads and referrals. - Engage prospective customers, explain product features, and convert leads into active customers. 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 Education: Graduate (minimum qualification) Experience: Minimum 3 years of relevant experience in LAP/Home Loan/SME Lending in the Banking or NBFC sector as a full-time permanent employee. 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. Business Sourcing: - Source LAP customers directly from the market using internal databases, cold calling, and personal networking. - Follow up on internally generated leads and referrals. - Engage prospective customers, explain product features, and convert leads into active customers. 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 Education: Graduate (minimum qualification) Experience: Minimum 3 years of relevant experience in LAP/Home Loan/SME Lending in the Banking or NBFC sector as a full-time permanent employee. 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 • 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. Experience Level Mid Level