Relationship Manager - Housing Loan and LAP

Position Overview

We are looking for a Relationship Manager specialized in Housing Loan and Loan Against Property (LAP) to join our Equitas Small Finance Bank team in Trichy, Tamil Nadu. The role involves sourcing loans, managing relationships with connectors, guiding the loan process, and ensuring repayment compliance in a dedicated, goal-driven environment.

Primary Duties

• Originate LAP and Housing Finance loans through networking and self-sourcing efforts.
• Recruit and manage new connectors who can assist in generating business for Housing Finance and LAP.
• Conduct income assessments of applicants through personal interviews, field visits, and review of documentation for LAP and Micro Housing loans.
• Monitor and ensure timely repayment of all disbursed loans.
• Demonstrate individual high-performance capabilities while also functioning effectively as a collaborative team member.
• Develop, support, and mentor team members to meet branch goals and budgeted targets.
• Identify and convert leads from existing customers needing LAP or Housing Finance services.
• Ensure prompt and effective delivery of Equitas financial products and services, maintaining cost efficiency during loan processing.
• Manage end-to-end loan documentation completion and follow-up activities through to loan disbursal.

Candidate Profile and Experience

• 1 to 3 years of relevant experience in the banking or financial sector, specifically with Banks, NBFCs, or Housing Finance companies handling LAP and housing finance products.
• Proven background in sourcing and processing housing loans and LAP products.
• Proficiency in English and fluency in the regional language of the state applied for; additional regional language skills are advantageous.
• Comfortable using Microsoft Excel for financial report analysis and email communication with clear written English skills.

Educational Qualifications

• Graduate in any discipline.
• Postgraduate qualification such as an MBA or any relevant PG degree is an advantage but not mandatory.
• No specific professional certifications or qualifications required.