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Kotak Mahindra Bank

Relationship Manager-Vishwas-Sales

Posted 7 Hours Ago
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In-Office
Chennai, Tamil Nadu, IND
Mid level
In-Office
Chennai, Tamil Nadu, IND
Mid level
Drive sales of affordable housing, home improvement, and loan-against-property products. Build and manage DSA, builder, connector, and alternate sales channels; generate leads through direct marketing and site visits; guide customers through applications and KYC documentation; coordinate with credit and operations teams; support customer retention, early collections, portfolio quality, and cross-selling of insurance and related financial products.
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Key Roles & Responsibilities

  • Business Development: Achieve monthly and quarterly sales targets by selling Affordable Housing Loans, Home Improvement Loans, and Loans Against Property 
  • 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.

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