Bajaj Housing Finance / Csm -prime/ Ahmedabad (Gurugram)

Job Title Area Sales Manager - Near Prime Home Loan Loan Against Property Location City Region Specific Department Sales - Affordable Near Prime Segment Reporting to Regional Sales Manager Zonal Sales Manager Job Purpose To drive affordable housing loan and LAP business in the Near Prime segment managing a team of Relationship Officers Executives building solid channel partner relationships DSAs Connectors ensuring compliance and achieving sales targets with quality sourcing Key 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 Good understanding of credit documentation and customer profiles Excellent communication negotiation relationship-building skills Qualification Experience Graduate MBA preferred Minimum 4-7 years of experience in home loan or LAP sales with at least 1-2 years in a team-handling role Exposure to Near Prime Affordable Housing segment is a must Performance Metrics Monthly quarterly disbursement targets Active channel performance Team productivity Portfolio quality delinquency NPA metrics TAT customer satisfaction .