Area Business Manager

Chola; Hubli; On-site; INR 600,000 - 1,200,000; Full time

Job summary

Chola in Hubli is seeking a results-driven Home Loan Sales Leader to drive growth in the Hubli region. You will source quality customers, manage a sales team, and build channel partnerships with builders, DSAs, and influencers to increase disbursements.

You will lead relationships, set targets, monitor portfolio quality, ensure regulatory compliance, and deliver a superior customer experience throughout the loan journey.

Qualifications

• Graduate in any discipline (MBA preferred).
• Experience in Home Loans/LAP/Mortgage Sales.
• Minimum 2-3 years in team handling and channel management.
• Strong understanding of the Hubli-Dharwad real estate market preferred.

Responsibilities

• Drive Home Loan business growth in Hubli by sourcing customers and managing sales teams.
• Develop and execute sales strategies to increase market share.
• Build and maintain channel partnerships with builders, DSAs, and influencers.
• Lead, mentor, and monitor Relationship Managers and Sales Executives.
• Ensure excellent customer experience throughout the loan journey.
• Coordinate with Credit, Operations, Legal, and Technical teams for approvals.
• Monitor portfolio quality and regulatory compliance.

Skills

Sales and business development

Team leadership

Channel partner management

Negotiation and relationship building

Credit and mortgage knowledge

Analytical and problem-solving skills

Communication and presentation skills

Education

Bachelor's degree or MBA preferred

Job description

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Role Purpose

To drive Home Loan business growth in the assigned geography by sourcing quality customers, managing sales teams, building channel partnerships, achieving disbursement targets, and ensuring portfolio quality.

Key Responsibilities

Business Development & Sales

• Achieve monthly, quarterly, and annual Home Loan sourcing and disbursement targets.
• Develop and execute sales strategies to increase market share in the Hubli region.
• Generate business through direct sales, builders, DSAs, connectors, and referral channels.
• Identify new business opportunities and expand customer base.

Channel Management

• Build and maintain relationships with:
• Real Estate Builders
• Developers
• Direct Selling Agents (DSAs)
• Property Consultants
• Chartered Accountants and Influencers
• Conduct regular meetings and engagement activities to strengthen partnerships.

Team Management

• Lead, mentor, and monitor Relationship Managers and Sales Executives.
• Set performance targets and conduct regular reviews.
• Ensure productivity, motivation, and capability building of the team.

Customer Relationship Management

• Ensure excellent customer experience throughout the loan journey.
• Resolve customer queries and escalations promptly.
• Maintain high customer satisfaction levels.

Credit & Portfolio Quality

• Coordinate with Credit, Operations, Legal, and Technical teams for smooth processing.
• Ensure adherence to credit policies and regulatory guidelines.
• Monitor portfolio quality, delinquency, and risk parameters.

Market Intelligence

• Analyze competitor offerings, pricing, and market trends.
• Provide insights to management for business expansion and product enhancement.

Compliance & Governance

• Ensure compliance with RBI regulations and company policies.
• Maintain accurate MIS, documentation, and reporting standards.

Key Performance Indicators (KPIs)

• Home Loan sourcing volume
• Disbursement achievement (%)
• Revenue and profitability
• Active channel partner productivity
• Team productivity
• Portfolio quality (DPD/NPA levels)
• Customer satisfaction scores

Qualifications

• Graduate in any discipline (MBA preferred).
• Experience in Home Loans/LAP/Mortgage Sales.

Experience

• 610 years of experience in Home Loan sales.
• Minimum 2-3 years in team handling and channel management.
• Strong understanding of the Hubli-Dharwad real estate market preferred.

Required Skills

• Sales and business development
• Team leadership
• Channel partner management
• Negotiation and relationship building
• Credit and mortgage knowledge
• Analytical and problem-solving skills
• Communication and presentation skills