Area Sales Manager- LAP

CSB Bank; Mumbai; On-site; INR 800,000 - 1,100,000; Full time

Job summary

CSB Bank is seeking a senior professional to identify and develop business opportunities by engaging with customers and assessing market viability for LAP offerings. You will evaluate customer suitability and contribute to decisions that support portfolio growth and profitability.

The role requires 7 to 15 years of experience, with a Graduate degree in any specialization. You will drive LAP acquisition, manage partnerships with DSAs/DSTs, and collaborate with branches to deliver superior

Qualifications

• Graduate with any specialisation.
• Experience in banking or financial services preferred.
• Strong communication and relationship-building skills.

Responsibilities

• Build, manage, and grow LAP portfolio across geography.
• Drive LAP acquisition via DSAs, DSTs, branches and other channels.
• Achieve disbursement, portfolio growth and revenue targets.
• Develop relationships with sourcing partners and branch stakeholders.
• Monitor customer lifecycle from lead to post-disbursement servicing.
• Ensure sourcing quality with focus on portfolio quality and compliance.
• Cross-sell liability products, insurance, and other banking products.
• Track market opportunities and competitor activities to expand penetration.
• Collaborate with Credit, Ops and Product teams to ensure timely processing.
• Monitor team productivity and channel performance and drive improvements.

Skills

LAP portfolio management

Business development

Stakeholder management

Customer lifecycle management

Education

Graduate (Any Specialisation)

Job description

To identify and develop business opportunities through consultative engagement, market assessment and customer suitability evaluation. The role involves recommending banking solutions, assessing commercial opportunities, evaluating customer viability and contributing to decisions that support portfolio growth, profitability and business development objectives.

Experience: 7 to 15 Years

Qualifications: Graduate (Any Specialisation)

• Build, manage, and grow the Loan Against Property (LAP) portfolio within the assigned geography/location.
• Drive acquisition of LAP business through Direct Selling Agents (DSAs), Direct Sales Teams (DSTs), Branch Banking channels, and other sourcing channels.
• Achieve assigned disbursement, portfolio growth, and revenue targets for the LAP business.
• Develop and manage relationships with sourcing partners, DSAs, DSTs, and branch stakeholders to drive business growth.
• Monitor the customer lifecycle from lead generation and sourcing to disbursement and post-disbursement servicing.
• Ensure high-quality sourcing with a focus on portfolio quality and adherence to credit and compliance guidelines.
• Drive cross-selling of liability products, insurance, and other banking products to enhance customer value and profitability.
• Track market opportunities, competitor activities, and customer requirements to expand business penetration within the assigned territory.
• Collaborate with Credit, Operations, and Product teams to ensure timely processing and superior customer experience.
• Monitor team productivity and channel performance and implement initiatives to improve business outcomes.