Relationship Manager-Loan Against Property (LAP)-Sales

Kotak•Salem, MA

About The Position

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.

Requirements

Graduate (minimum qualification)
Minimum 3 years of relevant experience in LAP/Home Loan/SME Lending in the Banking or NBFC sector as a full-time permanent employee.
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

Nice To Haves

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.

Responsibilities

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.