Hiring Relationship Manager

Piramal Capital & Housing Finance is hiring Relationship Manager for its retail business. The incumbent would be responsible for achieving the sales and cross-sell targets, improve profitability and enhance company's reputation.

Products - Micro LAP

Role & responsibilities

• Responsible for empanelment of channel and acquiring the customers for Micro LAP from open market and developer relationships.
• Responsible for ensuring the adherence of KYC documents as per the guidelines by the company.
• Responsible for achieving the cross-sell targets from the Home Loan customers like insurance or any other appropriate product which may come up from time to time.
• Responsible for establishing the Piramal brand and managing the sales and business development activities for Home Loans with focus on affordable / mass affluent segment in the assigned hub location.
• The incumbent is required to have a good knowledge and understanding of the local affordable / mass affluent markets and PMAY.
• Responsible for Smooth functioning of the lending process at various stages such as inquiry, application, verification, pre-sanction processing of loan, sanction, post-sanction documentation, disbursement of loan, collection, new and existing customer service.
• Responsible for ensuring the proper completion of the files within timeline as per the company checklist.
• Responsible for ensuring the proper closure of disbursement documentation within the timeline.
• Responsible for guiding the customer with clarity towards applying for Home Loan and explaining the product features in terms of ROI, Processing Fees, Terms and conditions etc.
• Responsible for communicating the reasons for rejection to the customer whose file has been rejected.
• Adherence to the organizations policies and procedures and compliance with legal and regulatory requirements
• Responsible for training, development and activisation of channels and release of channel payments on time.
• Responsible for maintaining the existing relationship with builders for APF & bulk sales.
• Responsible for sourcing of builder project files and getting their project approval done by the organization.
• Ensure excellent customer service which includes query resolution of the customer, completion of the task within the given TAT, after sales service, handling of complaints and customer retention.
• Ensuring the ownership of early delinquencies and working closely with the Collection and Credit team.
• Ensuring active participation with Operations team for resolving PDD (Post disbursal document) Issues.

Preferred candidate profile

• 0 to 6 years experience in HFC or Mortgage Industry in the affordable /mass affluent market.
• Ability to liaison & follow-up with customers, channels and internal stakeholders.
• Good written & verbal communication skills
• Ability to work under tight deadlines

Interested candidates may share the updated CV to sivasubramanian.m@piramal.com