ASM (LAP)

Jio Finance Limited; Chennai, Bengaluru; On-site; INR 1,200,000 - 1,900,000; Full time

Job summary

Jio Finance Limited seeks an experienced sales leader to drive Loan Against Property growth in Chennai. You will build and manage a direct sales team and DSAs, oversee end-to-end deal cycles, and ensure regulatory compliance and timely disbursements.

The role emphasizes team leadership, channel partner management, and market intelligence to sustain portfolio quality while expanding market reach in Tamil Nadu.

Qualifications

• Graduate/Postgraduate in Business Administration, Finance, Commerce, or related field; MBA preferred.
• 8–15 years in retail lending, LAP or mortgage; at least 2 years in a managerial role.
• Strong LAP product knowledge, collateral valuation, title checks, legal verification, local mortgage regs.
• Knowledge of SENP and SEP income evaluation methods.

Responsibilities

• Drive LAP sales targets in the assigned area by leading direct sales teams and DSAs/Connectors.
• Recruit, train, and manage Relationship Managers / Sales Officers to hit targets and policy standards.
• Onboard and nurture DSAs, brokers, and financial consultants to expand market reach.
• Oversee end-to-end sales lifecycle from leads to disbursements and file login.
• Coordinate with credit and risk teams to ensure timely sanctions and smooth file flow.
• Monitor local market trends, competitor offerings, and regulatory changes in LAP.
• Maintain portfolio health by verifying credibility, property visits, valuation, and minimizing NPAs.

Skills

Team leadership

Channel partner network management

Negotiation

Analytical skills

Local market awareness

Education

Graduate in Business Administration/Finance/Commerce

MBA preferred

Job description

Role & Responsibilities

• Business Acquisition & Sales: Drive business targets for Loan Against Property (LAP) within the assigned area/territory by managing direct sales teams and channel partners (DSAs/Connectors).
• Team Management: Recruit, train, and manage a team of Relationship Managers / Sales Officers to ensure target achievement, productivity, and adherence to company policies.
• Channel Partner Management: Onboard, activate, and maintain strong relationships with Direct Sales Agents (DSAs), brokers, and financial consultants to expand market reach.
• Lead Generation & Conversion: Oversee the end-to-end sales lifecyclefrom lead generation, customer meetings, and property evaluation to file login and disbursements.
• Credit & Underwriting Coordination: Collaborate closely with the credit and risk underwriting teams to resolve queries, ensure smooth file flow, and achieve timely sanctions and disbursements.
• Market Intelligence & Competitor Analysis: Keep track of competitor offerings, local market trends, property rate benchmarks, and regulatory changes in the local LAP market.
• Portfolio & Risk Management: Ensure high portfolio quality by verifying customer credibility, coordinating property visits/valuation, and managing initial portfolio health to minimize early defaults/NPA.

Preferred candidate profile

• Education: Graduate/Postgraduate in Business Administration, Finance, Commerce, or a related field (MBA preferred).
• Experience: 8 to 15 years of experience in retail lending, specifically focused on Loan Against Property (LAP) or Mortgage loans, with at least 2 years in a team handling/managerial role.
• Technical & Domain Expertise:
  
  • Strong understanding of LAP products, collateral/property valuation, title checking procedures, legal verification, and local mortgage regulations.
  • In-depth knowledge of income evaluation methods for self-employed non-professionals (SENP) and self-employed professionals (SEP).
• Key Skills: Team leadership, channel partner (DSA) network management, negotiation, analytical skills, and strong local market awareness.