Relationship Officer - LAP (Karimnagar)

Job Summary:** The Relationship Officer - LAP (Karimnagar) will be responsible for building and maintaining strong client relationships, primarily focusing on Loan Against Property (LAP) products. This role involves acquiring new customers, managing existing portfolios, and ensuring high levels of customer satisfaction and retention within the Karimnagar region. Job Responsibilities:** * Identify and acquire new customers for Loan Against Property (LAP) products within the designated territory (Karimnagar). * Conduct thorough financial needs analysis for potential and existing clients to recommend appropriate LAP solutions. * Process loan applications, ensuring all required documentation is collected, verified, and submitted accurately and efficiently. * Achieve assigned sales targets for LAP products and contribute to the overall business growth of the branch. * Build and maintain strong, long-term relationships with customers, providing excellent service and addressing their queries and concerns promptly. * Cross-sell other banking products and services where appropriate, based on customer needs. * Monitor market trends and competitor activities to identify new business opportunities and threats. * Ensure compliance with all internal policies, procedures, and regulatory guidelines related to lending activities. * Prepare and submit regular reports on sales performance, customer feedback, and market intelligence. * Collaborate effectively with internal teams such as credit, operations, and legal to ensure smooth processing and delivery of services. Job Qualifications:** * Bachelor's degree in Business, Finance, Marketing, or a related field. * Proven experience (1-3 years) in sales, relationship management, or business development, preferably within the banking or financial services industry, with a focus on LAP or secured lending. * Strong understanding of Loan Against Property (LAP) products, processes, and relevant market dynamics. * Excellent communication, interpersonal, and negotiation skills. * Demonstrated ability to achieve sales targets and build a strong client base. * Proficiency in local language (Telugu) is highly desirable, along with English. * Strong analytical and problem-solving abilities. * Ability to work independently and as part of a team in a fast-paced environment. * Valid driver's license and willingness to travel within the Karimnagar region as required. 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.