Area Sales Manager

DBS Bank; Madurai District; On-site; INR 800,000 - 1,100,000; Full time

Job summary

DBS Bank in Tamil Nadu is seeking an experienced Mortgage Lead to drive the mortgage business across the territory, focusing on volumes, documentation, and customer onboarding.

You will coordinate with the Treasures Relationship Manager team to convert leads, present PLAP features, and ensure timely processing. The role requires a strong local market understanding and a proven sales track record in mortgages.

Qualifications

• Proven track record in mortgage sales and meeting loan volume budgets.
• Strong understanding of the mortgage business and market.
• Knowledge of competition and key market practices.
• Thorough product knowledge related to mortgages and lending products.
• Experience with local assets and understanding key customer segments in the region.

Responsibilities

• Drive mortgage volumes and manage P&L for the mortgage business.
• Oversee sales budget, plan, COA, customer retention, recruitment and product training.
• Portfolio monitoring, project approvals, legal, technical, PDD and vendor management.
• Acquire PLAP customers from open market, branches, channel partners and builders.
• Build relationships with builder community and expansion plans.
• Guide customers on PLAP features, ROI, fees, terms and conditions.
• Ensure KYC compliance and timely completion of files.
• Disbursement documentation closure within deadlines.

Skills

Mortgage sales

Mortgage market understanding

Competitive market knowledge

Product knowledge

Local market assets

Job description

Job Purpose

MC is the local Mortgage Specialist who will be the lead for driving the Mortgage business in their territory and will have key deliverables of Mortgage volumes and documentation.

Roles and Responsibilities

• Responsible for the P&L Account, delivering the top line & bottom line of the Mortgage business in line with organization needs
• Sales Budget and Plan, COA, Customer Retention, Recruitment & Product Training
• Handling aspects pertaining to Portfolio monitoring, Project Approval, Legal, Technical, PDD, Referral Billing, vendor management & sales Manager Incentives etc.
• Acquire customers for PLAP from open market, Branch network, Channel partner and Builder relationship.
• Build new relationships with builder community basis projects and expansion plans.
• Developed strategic plans rolled out to business and built revenue streams with various product mix
• Portfolio management, PDD management, collection, Customer service, Vendor Management
• Guide the customer towards applying for PLAP and explain the product features in terms of ROI, Processing Fees, Terms and conditions very clearly.
• Ensure adherence to KYC documents as per the guidelines of the company. Ensure proper completion of the files within timeline as per the company checklist
• Ensure proper closure of disbursement documentation within the timeline.
• Attend customer calls and properly attend to their requests for ensure high customer satisfaction. Communicate the reasons for rejection to the customer.

Job Duties & responsibilities

• Work with the Treasures Relationship Manager team to convert the Mortgage Leads from the existing base of customers.
• Driving the sales pitch to interested customers, provide necessary subject matter expertise on PLAP and detail the DBS PLAP product.
• Sourcing of PLAP applications, completing the documentation as per DBS guidelines, collection of Processing fees etc.
• To collect disbursal documents consisting of legal documentation, promissory notes, mortgage T&Cs etc.
• Collect ECS and original Sale agreement / offer document for disbursals.
• Provide assistance to collection teams to maintain standard repayment schedules for customers, assist in delinquent cases.
• Facilitate product training jointly with Product manager to the TRM team.
• Manage customer issues on service / applications.

Requirements

• Proven track record in Mortgage sales, meeting loan volume budgets etc
• Understanding of the mortgage business and market
• Understanding of competition and key market practices.
• Thorough product knowledge.
• Should have relevant assets experience in the local market and have understanding of key customer segments.