To 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.
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.
About Kotak Mahindra Group:
Established in 1985, the Kotak Mahindra Group is one of India’s leading financial services conglomerates. In February 2003, Kotak Mahindra Finance Ltd. (KMFL), the Group’s flagship company, received a banking license from the Reserve Bank of India (RBI). With this, KMFL became the first non-banking finance company in India to become a bank – Kotak Mahindra Bank Limited.
The consolidated balance sheet of Kotak Mahindra Group is over 1 lakh crore and the consolidated net worth of the Group stands at 13,943 crore (approx US$ 2.6 billion) as on September 30, 2012.
The Group offers a wide range of financial services that encompass every sphere of life. From commercial banking, to stock broking, mutual funds, life insurance and investment banking, the Group caters to the diverse financial needs of individuals and the corporate sector. The Group has a wide distribution network through branches and franchisees across India, and international offices in London, New York, California, Dubai, Abu Dhabi, Bahrain, Mauritius and Singapore. For more information, please visit the company’s website at https://www.kotak.bank.in/en/home.html
