Relationship Officer - LAP - (Rajahmundry)

Job Summary:** The Relationship Officer - LAP (Rajahmundry) is responsible for sourcing, acquiring, and managing Loan Against Property (LAP) customers within the Rajahmundry region. This role involves building strong client relationships, understanding their financial needs, and providing suitable LAP solutions while ensuring adherence to credit policies and achieving sales targets. Job Responsibilities:** * Actively source and acquire new Loan Against Property (LAP) clients through various channels, including direct sales, referrals, and builder tie-ups. * Conduct thorough financial needs analysis for potential clients to recommend appropriate LAP products and services. * Explain product features, benefits, and terms clearly to customers, addressing any queries or concerns. * Complete all necessary documentation accurately and efficiently for loan applications. * Coordinate with credit and operations teams to ensure smooth and timely processing of loan applications. * Maintain a strong understanding of market trends, competitor offerings, and regulatory guidelines related to LAP products. * Achieve assigned sales targets for LAP disbursements and portfolio quality. * Build and maintain long-term relationships with existing customers to ensure repeat business and referrals. * Handle customer grievances and provide effective solutions in a timely manner. * Prepare and submit regular reports on sales activities, pipeline, and market feedback. Job Qualifications:** * Bachelor's degree in Business Administration, Finance, Marketing, or a related field. * Minimum of 2-4 years of experience in sales, preferably in financial services with a focus on Loan Against Property (LAP) or similar secured lending products. * Proven track record of achieving sales targets. * Excellent communication, negotiation, and interpersonal skills. * Strong understanding of financial products, credit appraisal, and risk assessment. * Ability to work independently and as part of a team. * Proficiency in local language (Telugu) is essential. * Knowledge of the Rajahmundry market and customer demographics. * Computer literacy, including proficiency in MS Office Suite. 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.