Sales Manager For Direct Home Loans

6 days ago

Chennai Coimbatore Tiruvannamalai, India Career Shaper Full time ₹ 9,00,000 - ₹ 12,00,000 per year

Job Role:

To achieve sales targets through the Direct Channel by sourcing and servicing customers for Home Loans, LAP, and Micro LAP products, ensuring quality portfolio and compliance with company policies and regulatory norms.

Key Responsibilities:

1. Sales Planning & Execution

  • Achieve monthly and annual disbursement & book size targets.
  • Plan and execute sales activities considering local market dynamics, competition, and customer segments.
  • Identify and source potential customers through field visits, references, and local networking.

2. Customer Acquisition & Relationship Management

  • Acquire new customers (salaried & self-employed) for Home Loan / LAP / Micro LAP.
  • Build and maintain long-term relationships with customers, builders, and channel partners.
  • Understand customer needs and provide appropriate financial solutions.
  • Ensure a seamless and satisfactory customer experience throughout the loan lifecycle.

3. Portfolio & Risk Management

  • Pre-screen and assess credit quality of leads before submission.
  • Coordinate with Risk and Operations teams for timely approval and disbursement.
  • Monitor portfolio quality to minimize NPAs.
  • Ensure adherence to all compliance, KYC, and documentation norms.

4. Market Intelligence & Reporting

  • Track competitor products, pricing, and market trends.
  • Provide regular updates and MIS reports on disbursements, NPAs, and target achievement.
  • Identify new business opportunities and recommend strategies to improve market share.

5. Internal Coordination

  • Work closely with Sales Manager, Area Head, and cross-functional teams (Risk, Operations, HR, IT).
  • Participate in training programs and development initiatives to enhance product and process knowledge.

Key Challenges:

  • Achieving high sales volume in a competitive and rate-sensitive market.
  • Maintaining portfolio quality while meeting growth targets.
  • Managing customer expectations and ensuring compliance simultaneously.
  • Building relationships in a dynamic, field-based, and high-pressure environment.

Required Skills & Competencies:

  • Strong communication and negotiation skills
  • Commercial acumen & customer orientation
  • Sound knowledge of HL / LAP / Micro LAP products
  • Local market understanding and networking ability
  • Process discipline and documentation accuracy

Eligibility Criteria:

  • Education: Graduate (any stream)

  • Experience:

  • 12 years for Sales Officer

  • 3–4 years for Sr. Sales Officer (BFSI / NBFC – Home Loan / LAP sales preferred)

  • Age: Below 33 years

  • CIBIL Score: Minimum 650
  • Gender: Male / Female – both eligible

  • Mandatory Requirements:

  • Two-wheeler with valid driving license

  • Prior field sales experience

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