Job description
Job Summary** Responsible for managing and growing a portfolio of Loan Against Property (LAP) clients in the Nizamabad region. This role focuses on building strong customer relationships, achieving sales targets, and ensuring high service standards. Job Responsibilities** * Acquire new clients for Loan Against Property (LAP) products through various channels, including direct sales, channel partners, and referrals.
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Manage an existing portfolio of LAP clients, fostering strong relationships to ensure customer satisfaction and repeat business. * Conduct thorough financial analysis and due diligence for LAP applications, assessing creditworthiness and property valuations. * Structure and negotiate LAP deals, ensuring compliance with company policies and regulatory guidelines.
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Achieve agreed-upon sales targets for LAP products, contributing to the overall business growth of the Nizamabad branch. * Monitor portfolio performance, identify potential risks, and implement strategies for effective recovery and delinquency management. * Stay updated with market trends, competitor activities, and regulatory changes in the LAP segment.
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Collaborate with internal teams, including credit, operations, and legal, to ensure smooth processing and disbursal of loans. * Provide excellent customer service, addressing client queries and concerns efficiently and professionally. * Prepare and submit regular reports on sales activities, portfolio health, and market intelligence to senior management.
Job Qualifications** * Bachelor's degree in Finance, Business Administration, or a related field. * Proven experience (2-5 years) in sales and relationship management, specifically within the Loan Against Property (LAP) segment. * Strong understanding of LAP products, credit appraisal, and legal aspects related to property financing.
- Excellent communication, negotiation, and interpersonal skills. * Demonstrated ability to achieve sales targets and build lasting client relationships. * Strong analytical and problem-solving abilities. * Proficiency in local language (Telugu) is essential. * Ability to work independently and as part of a team. * Prior experience in the Nizamabad region is highly desirable.