Relationship Officer - LAP

Job Summary** The Relationship Officer - LAP is responsible for sourcing, acquiring, and managing a portfolio of Loan Against Property (LAP) customers. This role involves building strong client relationships, understanding their financial needs, and offering suitable LAP products to achieve sales targets and ensure customer satisfaction. Job Responsibilities** * Identify and acquire new LAP clients through various channels, including networking, referrals, and market outreach activities. * Conduct thorough financial needs analysis for potential and existing clients to recommend appropriate LAP products and solutions. * Prepare and submit complete and accurate loan applications, ensuring compliance with company policies and regulatory requirements. * Manage and grow an assigned portfolio of LAP customers, maintaining regular contact to assess their evolving needs and provide ongoing support. * Monitor portfolio quality, proactively addressing any potential risks or delinquencies and ensuring timely collections. * Achieve individual and team sales targets for LAP products. * Collaborate with internal teams (credit, operations, legal) to ensure smooth processing and disbursal of loans. * Stay updated on market trends, competitor activities, and regulatory changes pertaining to LAP products. * Provide excellent customer service and build long-term, trust-based relationships with clients. * Prepare and submit regular reports on sales performance, client interactions, and market feedback. Job Qualifications** * Bachelor's degree in Business Administration, Finance, Marketing, or a related field. * Minimum of 2-3 years of experience in sales or relationship management within the financial services industry, specifically with exposure to Loan Against Property (LAP) products. * Proven track record of achieving sales targets and managing client relationships effectively. * Strong understanding of LAP products, credit assessment, and property valuation principles. * Excellent communication, interpersonal, and negotiation skills. * Ability to build rapport and establish trust with clients. * Results-oriented with a strong drive to succeed. * Proficiency in Microsoft Office Suite (Word, Excel, PowerPoint). * Ability to work independently and as part of a team. * Knowledge of local market dynamics and real estate trends is an advantage. At Credit Saison India, we are driven by Innovation, Inclusion, and Integrity to create a meaningful Impact. As one of India's fastest-growing NBFC lenders, our mission is to bridge the credit gap and transform lives by empowering underserved communities. Our journey is fueled by a team of 1,400+ employees across 80+ branches, with an AUM of over $2 billion. Join us and help build a brighter financial future for millions across the country. Established in 2019, Credit Saison India (CS India) is one of the country’s fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting India’s huge gap for credit, especially with underserved and under penetrated segments of the population. Credit Saison India is committed to growing as a lender and evolving its offerings in India for the long-term for MSMEs, households, individuals and more. Credit Saison India is registered with the Reserve Bank of India (RBI) and has an AAA rating from CRISIL (a subsidiary of S&P Global) and CARE Ratings. Currently, Credit Saison India has a branch network of 80+ physical offices, 2.06 million active loans, an AUM of over US$2B and an employee base of about 1,400 employees. Credit Saison India is part of Saison International, a global financial company with a mission to bring people, partners and technology together, creating resilient and innovative financial solutions for positive impact. Across its business arms of lending and corporate venture capital, Saison International is committed to being a transformative partner in creating opportunities and enabling the dreams of people. Saison International is the international headquarters (IHQ) of Credit Saison Company Limited, founded in 1951 and one of Japan’s largest lending conglomerates with over 70 years of history and listed on the Tokyo Stock Exchange. The Company has evolved from a credit-card issuer to a diversified financial services provider across payments, leasing, finance, real estate and entertainment. Based in Singapore, Saison International’s global operations span over Singapore, India, Indonesia, Thailand, Vietnam, Mexico, Brazil, with active investments in debt, equity, corporate venture capital, and technology.