Relationship Manager - HL & LAP at Credit Saison… · Mumbai

Job Title: Relationship Manager Department: Secured- Direct Reports To: Sales Manager Employment Type: FTC

Job Summary: We are seeking a motivated and results-driven Relationship Officer to join our Secured Direct lending team. The primary responsibility of this role is to source and process loan applications through self-sourcing and a network of connectors The candidate will be the face of the organization, building strong client relationships while ensuring adherence to compliance and credit guidelines.

Key Responsibilities:  Loan Sourcing: o Proactively generate leads through self-sourcing (cold calling, field visits, referrals, digital platforms, etc.). o Build and manage a reliable network of connectors such as property dealers, chartered accountants, and other channel partners to source loan applications. o Conduct regular follow-ups with leads to maximize conversion.  Client Relationship Management: o Engage with prospective borrowers to understand their financial needs and provide suitable loan products. o Maintain relationships with existing customers to encourage referrals and repeat business.  Application Processing: o Collect, verify, and ensure timely submission of all necessary documentation required for loan processing. o Coordinate with internal credit and operations teams to ensure smooth processing and disbursal of loans.

 Compliance and Reporting: o Ensure all applications comply with regulatory and organizational credit guidelines. o Maintain accurate records of lead sourcing, customer interactions, and loan application statuses. o Prepare and submit daily/weekly/monthly reports to management.

Qualifications and Skills:  XII cleared.  1-2 years of experience in Direct sourcing of Affordable Mortgage loans ( LAP and HL)  Understanding of Legal and Technical aspects of mortgage loans  Good understanding of local economy.  Good communication, interpersonal, and negotiation skills.  Proven ability to achieve sales targets and build strong partner networks.  Self-motivated with a result-oriented approach.

Key Performance Indicators (KPIs):  Number of loans sourced (monthly/quarterly targets).  Conversion rate from lead to disbursal.  Value of loans disbursed.  Quality and productivity of sourced leads (NPA % and rejection rate).  Expansion and effectiveness of connector network.

Compensation:  Fixed salary + performance-based incentives  Allowances as per company policy 12th / Higher Secondary Certificate (HSC)