HL ( Home loan ) Bangalore

Jio Finance; Bengaluru; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Jio Finance Limited in Bengaluru, Karnataka, is seeking a seasoned sales professional to drive sourcing and disbursement of Home Loans and LAP, while expanding a robust referral network with DSAs, developers, and brokers. This role requires prompt lead conversion, rigorous credit screening, and end-to-end management from inquiry to disbursement, with strong negotiation and relationship skills.

Graduate with 5–10 years in HL/LAP sales, MBA preferred, and a proven local network; prior experience

Qualifications

• 5 to 10 years of proven sales experience in Home Loans (HL) or LAP.
• Experience in a reputed Bank, NBFC, or Housing Finance Company (HFC).
• Graduate in any discipline; MBA / Post-Graduation in Sales & Marketing or Finance is preferred.

Responsibilities

• Drive sourcing and disbursement of Home Loans (HL) and LAP to hit monthly/quarterly targets.
• Onboard, manage, and optimize DSAs, connectors, developers, and builders to build a referral network.
• Process inbound leads promptly, conduct initial meetings, and manage end-to-end sales funnel from inquiry to disbursement.
• Conduct preliminary screening of customer profiles, eligibility, property documents, and KYC before credit appraisal.
• Coordinate with Credit, Legal, Technical, and Operations to ensure fast processing and quick sanction turnaround times (TAT).
• Maintain high quality of sourcing and adherence to risk policies for early delinquency controls.
• Track local real estate trends, competitor offerings, and interest rate dynamics to position loan products.

Skills

Retail loan processing

Mortgage documentation

Negotiation

Relationship management

DSA/channel partner management

Education

Bachelor's degree

MBA or PG in Sales & Marketing or Finance

Job description

Role & responsibilities

• usiness Development & Revenue Generation: Drive sourcing and disbursement of Home Loans (HL) and Loan Against Property (LAP) to achieve monthly and quarterly sales targets.
• DSA & Channel Partner Management: Onboard, manage, and optimize relationships with Direct Selling Agents (DSAs), connectors, real estate developers, and builders to build a robust referral network.
• Lead Conversion: Process inbound digital/tele-leads promptly, conduct initial customer meetings, and manage the end-to-end sales funnel from inquiry to disbursement.
• Credit & Application Scrutiny: Conduct preliminary screening of customer profiles, financial eligibility, property documents, and KYC compliance prior to credit appraisal submission.
• Stakeholder Coordination: Coordinate closely with internal Credit, Legal, Technical, and Operations teams to ensure fast processing, quick sanction turnaround times (TAT), and smooth loan disbursement.
• Portfolio & Risk Management: Ensure early-stage delinquency controls by maintaining high quality of sourcing and adherence to company risk and credit policies.
• Market & Competitor Analysis: Track local real estate trends, competitor offerings, interest rate dynamics, and scheme structures to effectively position loan products.

Preferred candidate profile

• Experience: 5 to 10 years of proven sales experience in Home Loans (HL) or LAP within a reputed Bank, NBFC, or Housing Finance Company (HFC).
• Education: Graduate in any discipline; MBA / Post-Graduation in Sales & Marketing or Finance is preferred.

Key Skills:

• Strong understanding of retail loan processing, mortgage documentation, title search, and technical valuation basics.
• Active local network of real estate developers, property brokers, and DSAs.
• Strong negotiation, relationship management, and communication skills.