Aditya Birla Housing Finance

1 day ago

Kolkata, West Bengal, India Acura Solution Full time ₹ 12,00,000 - ₹ 36,00,000 per year


Job Description:
Job Title: Area Sales Manager – Affordable Housing Loans
Location: [City/Region]
Role Summary:

The ASM – Affordable Housing is responsible for driving sales of affordable housing loan products within the assigned territory. The role includes managing a team of sales officers/relationship managers, sourcing new business through various channels, maintaining relationships with channel partners, and ensuring portfolio quality while achieving disbursement targets.

Key Responsibilities:

  • Business Development & Sales:

    • Drive affordable housing loan sales and achieve monthly/quarterly disbursement targets.

    • Develop business through DSAs, connectors, builders, developers, and direct sourcing.

    • Identify and tap into new markets and customer segments.

  • Team Management:

    • Recruit, train, and manage a team of sales officers/relationship managers.

    • Set individual targets, monitor performance, and ensure productivity.

    • Motivate and guide the team to deliver high-quality customer service.

  • Channel & Partner Management:

    • Build and maintain strong relationships with DSAs, builders, and intermediaries.

    • Ensure timely payouts, partner engagement, and business continuity.

  • Customer Engagement & Service:

    • Act as a point of contact for escalations and ensure quick resolution.

    • Provide guidance to customers on loan eligibility, documentation, and product benefits.

  • Risk & Portfolio Quality:

    • Ensure credit quality by sourcing high-quality proposals.

    • Monitor delinquency, early defaults, and take corrective measures.

    • Coordinate with credit, operations, and collections teams for smooth processing.

  • Market Intelligence:

    • Track competitor activities, market trends, and regulatory changes in affordable housing finance.

    • Share insights with management for product and process improvements.

Key Skills & Competencies:

  • Strong knowledge of Affordable Housing Loan products.

  • Proven track record in retail lending, housing finance, or LAP segment.

  • Ability to drive sales team performance and achieve targets.

  • Excellent relationship-building skills with partners and customers.

  • Good understanding of credit underwriting parameters and documentation.

  • Strong leadership, communication, and problem-solving skills.


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