01Key Responsibilities
-
Business Development:
-
Acquire new customers for home loans and LAP (Loan Against Property) under the Near Prime category (salaried/self-employed).
-
Source files through DSAs, connectors, builders, real estate agents, and other open market channels.
-
Identify and develop new geographies and opportunities in semi-urban/rural areas.
-
Team Management:
-
Lead a team of Relationship Officers/Executives to achieve sales goals.
-
Provide training, support, and guidance to the team on product knowledge, credit parameters, and documentation.
-
Channel Management:
-
Build and maintain relationships with DSAs and other sourcing partners.
-
Ensure productivity and activation of all active channels.
-
Credit & Compliance:
-
Ensure files sourced are within the acceptable credit norms, with required documentation and minimum deviation.
-
Maintain portfolio hygiene and ensure low delinquency/NPA rates.
-
Market Intelligence:
-
Stay updated on competitor offerings, pricing, and sourcing strategies.
-
Suggest enhancements to product/policy based on ground feedback.
Key Skills & Competencies:
-
In-depth understanding of Near Prime/Affordable Housing market
-
Experience in Home Loan/LAP sales (preferably in NBFCs/HFCs)
-
Channel development & management skills
-
Team handling experience
-
Valuable understanding of credit, documentation, and customer profiles
-
Excellent communication, negotiation & relationship-building skills .
