Raman Kumar Jha

Business Development Executive

Mumbai, Maharashtra, India8 yrs 7 mos experience

Key Highlights

  • Over 9 years of expertise in Home Loans and LAP.
  • Strong network with builders and financial professionals.
  • Proven track record in client relationship management.
Stackforce AI infers this person is a seasoned professional in the Fintech industry with a focus on loan management and client relationships.

Contact

Skills

Core Skills

Loan ManagementClient Relationship ManagementBusiness DevelopmentCustomer AcquisitionTeam ManagementCustomer ServiceCustomer Relationship ManagementLead Generation

Other Skills

Sales ManagementCustomer SupportSales ProspectingCross SellingSales PromotionChannel Partner DevelopmentNew Customer AcquisitionsLoanCustomer InteractionCommunicationTime ManagementAccount ManagementTeam LeadershipTeam BuildingSales and Marketing

About

I am a seasoned professional with over 9 years of expertise in the field of Home Loans and LAP (Loan Against Property). I have cultivated a deep understanding of client profiles assisting numerous clients in navigating the loan application process effectively. Experience My journey in the financial sector has been enriched by roles at Kotak Mahindra Bank, Axis Bank, and Indiabulls Housing Finance and ICICI Bank Ltd. where I honed my skills in client relationship management and loan advisory and Loan Management. I take pride in my ability to guide clients through the complexities of obtaining loans, ensuring they secure the best rates and services tailored to their needs. With a robust network encompassing builders, Chartered Accountants, real estate agents, and DSAs (Direct Selling Agents), I leverage these relationships to facilitate seamless transactions and provide comprehensive support to my clients. Education I have Completed MBA in Marketing Management from NMIMS (Distance), I am committed to continuous learning and staying abreast of industry trends to deliver informed guidance and superior service. Contact Information: Mobile: 7304302076 Email: Mba.ramanjha@gmail.com I welcome any inquiries and look forward to connecting with you.

Experience

8 yrs 7 mos
Total Experience
1 yr 6 mos
Average Tenure
10 mos
Current Experience

Hero fincorp

Sales Manager in LAP

Jul 2025Present · 10 mos · Mumbai, Maharashtra, India · On-site

  • 💐💐Greetings from Hero FinCorp Ltd !!💐💐
  • LAP- Product and Scheme Update.*
  • Ticket size is 1 - 7.5 Cr is prime and 20 lakh to 1 Cr is affordable segment
  • Property Accepted :*
  • Residential*
  • Commercial*
  • Industrial*
  • Hospital*
  • School*
  • Restaurant*
  • N.A.plots*
  • LTV- Competitive
  • SORP - 80%
  • SOCP - 70%
  • RRP - 70%
  • RCP - 65%
  • SOIP - 65%
  • NA Land - 40-50%
  • Products :
  • Normal income program*
  • Loan amount = 1 - 7.5cr
  • Banking Surrogate*
  • Loan amount = 1 - 6.5cr
  • Avg of 365 days with 80% FOIR
  • Gross Profit product*
  • Loan amount = 1 - 5 cr
  • 15% of sales or gross magrin ,
  • FOIR 80%
  • LIP*
  • Loan Amount - 1 - 3cr
  • 3 time of NP with 100 % FOIR
  • Gross receipt program*
  • Loan amount = 1 - 2 cr
  • 200 % of gross receipt
  • RTR program*
  • Loan amount - 1- 2 cr
  • Multiplier-
  • 12 to 18 months - 1.3 times
  • 18 to 24 months - 1.4 times
  • 24 month above -  1.5 times
  • LRD*
  • Loan amount= 1 - 7.5cr
  • 10% margin of net rent received
  • ROI above 1 Cr cases-*
  • Residential 10.50%-11%
  • Commercial 10.75 - 11.25%
  • Industrial  11 - 11.5%
  • Alternate 11.25% - 11.75
  • Institutional 11.50% to 12%
  • Less than 1 Cr rate should 1 % High
  • Happy Selling !!*
  • Thanks & Regards,*
  • Raman Jha
  • Sales Manager*
  • 7304302076
  • Hero Fincorp Ltd*
Sales ManagementCustomer SupportLoan ManagementClient Relationship Management

Tata capital

Sales Manager

Nov 2024Jul 2025 · 8 mos · Mumbai Metropolitan Region · On-site

  • Sales Manager in Home and LAP

Icici bank

Relationship Manager - Mortgage Loan

Dec 2023Nov 2024 · 11 mos · Mumbai, Maharashtra, India · On-site

  • Generate new customer leads through various channels and Proactively identify sales prospects and conduct business development activities in the geography assigned Follow up on new
  • leads and referrals to generate business Achieving the monthly sales targets & Cross sell assets and fee products
  • ➢ Extensive experience in business development, channel sales, and servicing within the banking and finance industry.
  • ➢ Proven track record of driving business growth, expanding customer bases, and increasing revenue.
  • ➢ Strong expertise in home loans, Loan against Property (LAP)
  • ➢ In-depth knowledge of product designing, allowing for the development of innovative and competitive offerings.
  • ➢ Specialist in structuring high-value deals, leveraging analytical skills and market insights.
  • ➢ Proficient in cross-selling strategies to maximize revenue and enhance customer engagement.
  • ➢ Strong analytical and problem-solving skills, enabling effective risk assessment and mitigation
  • ➢ Adept at managing customer relationships, ensuring exceptional service, and addressing customer needs effectively.
  • Passion (must take initiatives and not avoid targets) Socially Confident (able to start a conversation with new people easily and be confident in the interaction) Perseverance & Resilience (able to make repeated attempts and bounce back from setbacks, able to try new methods of engagement in case of a setback) Problem Solving & Closure (when faced with a problem, must be able to identify and seek help from the right people without hesitation. Able to keep commitments made to others and ensure that the task is complete)
Business DevelopmentCustomer AcquisitionSales ProspectingCross Selling

Indiabulls housing finance ltd

Sales Manager

Aug 2022Dec 2023 · 1 yr 4 mos · Mumbai, Maharashtra, India

  • Expertise in team management, with a focus on motivating and developing sales teams for optimal performance.
  • Adept at managing customer relationships, ensuring exceptional service, and addressing customer needs effectively
  • Provide daily support to employees for all workflow and functions required.
  • Assist with researching and resolving all escalated issues from employees, sales partners, and customers.
  • Provide support to my direct Manager with assisting employees questions, concerns and troubleshooting of loan applications.
  • Weekly conference calls are held with all Sales Managers to review pipeline flow, closing opportunities and review current trends.
  • Monitor various daily reports to identify issues, trends and feedback to employees on utilizing the report to maximize their day.
  • Maintained daily open communication with the entire team, which allowed us to maintain an expert level of communication with both internal and external customer
  • Conduct Sales Promotion Activities Through Builders, DSA, Connector and CA In Open Market and Improve Relationships Through Expos & Events, Various Activities. Ensure Key Customer Satisfaction Through Customer Service of The Highest Quality Liaise with Various Departments Within the System (Credit/Operations Etc) To Ensure Smooth Process Flows. Responsible For Acquisition of Channel Partners for Sourcing Products - Connectors, DSA And Processing The Pay-out Of DSA. Meeting Builders/Associations for Tie Ups for Housing Loans and Mortgage Loans. Oversee Entire Mortgage Process Including Application, Origination, Underwriting and Closing And Review Loan Applications And Documents For Accuracy And Completeness.
Team ManagementCustomer ServiceSales PromotionChannel Partner Development

Axis bank

Senior Relationship Officer

Dec 2018Jun 2021 · 2 yrs 6 mos · Mumbai, Maharashtra, India

  • Establish a channel partner for Home Loans and LAPs and visit their offices (DSA, Real Estate Agents, Builders, CA, and Others) to explain my products and how they can benefit from them. And Generating New Home Loan Lead And understand Customer Needs and Documentation after That Offer Him a Suitable Product To Him. After That Talking Documents From From Customer And making Case ID And Submitted into System And Explain Credit Manger About Customer Profile.
Channel Partner DevelopmentCustomer Relationship ManagementLead Generation

Kotak mahindra bank

Associate

Aug 2016Dec 2018 · 2 yrs 4 mos · Mumbai Area, India

  • Establish a channel partner for Home Loans and LAPs and visit their offices (DSA, Real Estate Agents, Builders, CA, and Others) to explain my products and how they can benefit from them. And Generating New Home Loan Lead And understand Customer Needs and Documentation after That Offer Him a Suitable Product To Him. After That Talking Documents From From Customer And making Case ID And Submitted into System And Explain Credit Manger About Customer Profile.
New Customer Acquisitions

Education

NMIMS CDOE

MBA ( Marketing Management) — Buisness Management marketing

Jun 2021Aug 2023

Lalit Narayan Mithila University, Darbhanga

B.com — Bachelor of commerce

Jan 2014Jan 2017

R k College Madhubani

HSC

Apr 2011Jun 2013

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