Kotak Mahindra Bank—Relationship Manager-Vishwas-Sales

Job description

Description: Key Roles & Responsibilities - Business Development: Achieve monthly and quarterly sales targets by selling Affordable Housing Loans, Home Improvement Loans, and Loans Against Property (LAP). - Channel Management: Onboard, manage, and scale networks of Direct Selling Agents (DSAs), local connectors, property builders, and alternate channels. - Lead Generation: Conduct direct marketing activities, visit self-construction sites, and run open-market campaigns to source potential clients. - File & Documentation Management: Guide customers through the loan lifecycle. Help collect Know Your Customer (KYC) details, complete applications, and mitigate - Internal Coordination: Collaborate closely with credit, underwriting, and operations teams to optimize processing TAT and resolve pending issues. - Customer Retention & Support: Provide regular status updates to applicants, explain ROI and fees clearly, and build long-term relationships. - Portfolio Quality & Collections: Keep portfolio delinquency low by coordinating initial stages of debt collection where required ("Sales & Collect" model). - Cross-Selling: Cross-sell relevant third-party products like property/life insurance and allied financial offerings. 🎓 Experience & Qualifications - Education: Graduate or Post Graduate degree in any stream (Management/Finance preferred). - Experience: Typically 0–4 years of relevant experience in housing finance, mortgages, or micro-LAP sales.