Relationship Manager Prime LAP SME (Odisha)

Ticket Size: 10 Lakhs 5 Crores Role Purpose The Relationship Manager – Prime LAP (Loan Against Property) will be responsible for sourcing, evaluating, and managing high-value secured lending opportunities within the SME segment. The role focuses on building strong customer relationships, driving business growth, and ensuring high portfolio quality. Key Responsibilities Business Development
- Acquire new SME customers for LAP products within the defined ticket size (10L – 5Cr).
- Generate business through open market sourcing, channel partners, DSAs, and referrals.
- Build and maintain a healthy pipeline to consistently achieve disbursement targets.
- Identify cross-sell opportunities across other financial products (Insurance, Wealth, etc.). Client Relationship Management
- Develop long-term relationships with SME clients and key stakeholders.
- Act as a single point of contact for client queries and service needs.
- Ensure high customer satisfaction and retention. Credit Assessment & Structuring
- Understand customer financials, business models, and funding requirements.
- Conduct initial screening and documentation for loan applications.
- Coordinate with credit teams to structure deals and ensure timely approvals.
- Maintain quality of sourcing with low delinquency and robust risk assessment. Portfolio Management
- Monitor existing portfolio and ensure asset quality.
- Track repayments, identify early warning signals, and minimize delinquency.
- Drive collections support wherever required. Compliance & Process Adherence
- Ensure adherence to internal policies, regulatory guidelines, and KYC norms.
- Maintain proper documentation and audit-ready files.
- Follow TATs for login, sanction, and disbursement processes. Key Performance Indicators (KPIs)
- Disbursement value and achievement of targets
- Portfolio quality (Low NPA/Delinquency levels)
- Customer acquisition and retention
- Cross-sell revenue contribution
- TAT adherence and process compliance Eligibility Criteria Educational Qualification
- Graduate in any discipline (MBA/PGDM preferred) Experience
- 3–8 years of experience in LAP/SME/secured lending roles
- Proven track record in handling mid-to-large ticket size loans Required Skills & Competencies
- Strong understanding of LAP and SME lending products
- Knowledge of financial statement analysis and credit evaluation
- Excellent relationship management and negotiation skills
- Strong market connect and sourcing capability
- Result-oriented with high ownership and accountability Key Stakeholders
- Internal: Credit, Operations, Risk, Collections, Product Team
- External: Clients, Channel Partners, DSAs, Brokers Location
- Patna / Ranchi / Bhubaneshwar / Kolkata Why Join Us
- Opportunity to manage high-value SME portfolios
- Exposure to structured lending and credit decisioning
- Growth-oriented role with strong performance incentives Perks and benefits
- Performance bonus, Medical Insurance, Term life insurance, Accident insurance and Petrol allowance Apply on Kit Job: kitjob.in/job/4lsqmp