Kotak Mahindra Bank

Delhi

Relationship Manager - HF-HOUSING FINANCE-Sales

Posted 4 weeks ago · Mid level

The job in two lines

This role involves managing relationships with Direct Selling Agents (DSAs) and customers to acquire and retain Home Loan (HL) customers, ensuring compliance with regulatory norms and internal processes, and achieving sales targets in the Indian mortgage market.

Summary by Rezifi's AI, from Kotak Mahindra Bank’s posting. Years and pay appear only when the posting states them.

What you'd do

  • Acquire and onboard high-potential DSAs
  • Meet or exceed assigned monthly and quarterly disbursement and fee income targets
  • Liaise with credit and operations teams to ensure smooth file processing and disbursal
  • Track competitor offerings, pricing, and market dynamics
  • Maintain strong relationships with DSAs, customers, and internal stakeholders
  • Ensure thorough KYC, property valuation, and legal documentation

Skills it is built around

  • Home Loan (HL) products
  • Mortgage Lending
  • DSA channels
  • KYC/AML Compliance
  • Property Valuation

Required

  • Legal Documentation
  • audit requirements
  • regulatory norms
  • internal processes
  • ms-office
  • CRM systems

Nice to have

  • Finance
  • Business Administration
  • financial services industry
  • client-centric approach
  • tailored financial solutions
  • financial data
  • loan recommendations
  • Quota Attainment
  • work ethic
  • industry trends

The facts

Experience
2+ years
From the posting: “2-8 years of experience”
Pay
Not stated
The posting states no pay.
Level
Mid level
Field
Housing finance sales

The full posting

From Kotak Mahindra Bank’s careers site

As Kotak Mahindra Bank posted it. See the original

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.