Relationship Officer - LAP (Visakhapatnam)

Job Summary:** The Relationship Manager - LAP will be responsible for sourcing, acquiring, and managing relationships with clients seeking Loan Against Property (LAP) products in the Visakhapatnam region, ensuring business growth and customer satisfaction. Job Responsibilities:** * Identify and cultivate new client relationships for Loan Against Property (LAP) products through various channels, including direct sales, DSA networks, and existing customer referrals. * Conduct thorough financial analysis and due diligence for potential LAP borrowers, assessing their eligibility and repayment capacity. * Guide clients through the entire loan application process, explaining product features, terms, and documentation requirements. * Negotiate loan terms, interest rates, and collateral requirements in line with company policies and risk appetite. * Build and maintain strong, long-term relationships with existing LAP clients, ensuring high levels of customer satisfaction and retention. * Proactively identify opportunities for cross-selling other financial products and services to LAP clients. * Monitor market trends and competitor activities to identify new business opportunities and stay abreast of industry developments. * Ensure compliance with all regulatory guidelines, internal policies, and ethical standards in all lending activities. * Prepare and submit regular reports on sales performance, client acquisition, and portfolio health. * Collaborate effectively with internal teams, including credit, operations, and legal, to ensure seamless loan processing and customer service. Job Qualifications:** * Bachelor's degree in Finance, Business Administration, or a related field. * Minimum of 3-5 years of experience in sales or relationship management, specifically in Loan Against Property (LAP) or secured lending. * Proven track record of achieving sales targets and building a strong client portfolio. * In-depth knowledge of LAP products, market dynamics, and regulatory frameworks. * Excellent communication, interpersonal, and negotiation skills. * Strong analytical and problem-solving abilities. * Ability to work independently and as part of a team in a fast-paced environment. * Proficiency in local languages (Telugu and English) is essential. * Residency in or willingness to relocate to Visakhapatnam. 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.