Kotak Mahindra Bank—Relationship Manager - HF-HOUSING FINANCE-Sales

Job description

Description: Role : Relationship Manager - Housing Finance Responsibilities - Business Sourcing: - Acquire HL customers through DSA channels while adhering to internal policies and external regulatory guidelines. - Identify and onboard high-potential DSAs and maintain strong working relationships. - 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. Preferred candidate - A bachelor's degree in finance, business administration, or a related field is preferred. - 2-8 years of experience in relationship management, preferably in the financial services industry. - Strong knowledge of Home Loan (HL) products and the Indian mortgage market. - Excellent interpersonal and communication skills, with a client-centric approach. - Ability to build trust and rapport with clients, offering tailored financial solutions. - Proficiency in MS Office and familiarity with CRM systems for efficient relationship management. - Analytical skills to interpret financial data and offer suitable loan recommendations. - Self-motivated and results-driven, with a track record of achieving sales targets. - Strong work ethic, with the ability to work independently and as part of a team. - Willingness to stay updated on industry trends and regulatory changes.