Relationship Officer - Mumbai - Home Loan & LAP

WE ARE HIRING RELATIONSHIP EXECUTIVE Position: Relationship Executive Company: HDFC Location: Across Mumbai Experience: Freshers / 1 to 2 Years Products: Home Loan, Loan Against Property (LAP), Credit Card, Commercial Card & Business Loan Working Days: 2nd & 4th Saturday Off About the Role We are looking for energetic and target-oriented Relationship Executives to drive sales and customer acquisition across Home Loans, Loan Against Property (LAP), Credit Cards, Commercial Cards, and Business Loans . The role involves generating new business, developing customer and channel relationships, understanding financial requirements, and managing the loan/card process from lead generation through approval and disbursement/activation. Key Responsibilities Lead Generation & Customer Acquisition: Generate leads through open-market sourcing, referrals, direct sales, digital leads, existing customer references, and other channels. Product Sales: Promote and sell Home Loans, LAP, Credit Cards, Commercial Cards, and Business Loans based on customer requirements and eligibility. Channel Management: Build and maintain relationships with DSAs, connectors, brokers, builders, property dealers, business networks, and other intermediaries. Customer Relationship Management: Understand customer financial requirements, explain product features, assist with documentation, and maintain strong customer relationships. Loan & Card Processing: Collect required documents, complete application formalities, verify basic eligibility, and coordinate cases as per company processes. Cross-Functional Coordination: Coordinate with Credit, Operations, Legal, Technical, Risk, RCU, and other internal teams to ensure smooth processing. Follow-Up: Track applications from login to approval, disbursement, card issuance, and activation, as applicable. Cross-Selling: Identify opportunities to offer additional financial products to existing and prospective customers. Target Achievement: Achieve assigned monthly sales and business targets while maintaining quality sourcing and customer satisfaction. Market Development: Conduct field visits, identify new business opportunities, and expand the customer and referral network. Product Responsibilities Home Loan Source customers looking for home purchase, construction, or related housing finance. Develop relationships with builders, property dealers, and referral partners. Assist customers throughout the home loan application and approval process. Loan Against Property (LAP) Source secured loan opportunities against residential/commercial property. Identify eligible customers and understand their financial requirements. Coordinate documentation, property-related processes, credit assessment, and disbursement. Credit Card Generate new credit card leads through direct and open-market sourcing. Explain card features, benefits, eligibility, and application requirements. Ensure accurate documentation and timely submission of applications. Commercial Card Acquire eligible business and corporate customers for commercial card solutions. Develop relationships with business owners and corporate clients. Understand business requirements and coordinate applications with relevant teams. Business Loan Source business owners and self-employed customers requiring business finance. Understand business requirements and assess basic customer eligibility. Coordinate documentation, credit processing, approval, and disbursement. Required Skills & Qualifications Bachelors degree from a recognized institution. Freshers and candidates with 1 to 2 years of experience can apply. Willingness to travel and work in the field. Strong communication and interpersonal skills. Good sales, negotiation, and relationship-management abilities. Customer-focused and target-oriented approach. Basic understanding of financial products and credit processes. Ability to generate leads and develop a strong market network. Self-motivated, energetic, and willing to take ownership of sales targets. Benefits & Perks 2nd & 4th Saturday Off Mediclaim coverage up to 3 Lakhs Paid Leaves Paternity Leave Opportunity to build a career in the banking and financial services industry. Exposure to multiple retail and business financial products. Why Join Us This role provides an opportunity to develop expertise across secured lending, business finance, credit cards, and commercial banking products , while building strong sales and relationship-management skills. Apply Now If you are a motivated individual with strong communication and sales skills and are interested in building a career in financial services, apply now to join the HDFC team.