Manager – Sales – Loan Against Property BharatHire.Com

The Corporate Institute; India; On-site; INR 558,000,000 - 5,580,000,000; Full time

Job summary

The Corporate Institute is seeking an experienced LAP Sales professional to drive high-ticket Loan Against Property opportunities for HNIs, corporates, and high-value customers. The role focuses on sourcing, converting, and managing large-value LAP deals, ensuring monthly disbursement targets are met.

You will leverage a strong network in the market, coordinate with Credit, Risk, Operations, and Legal teams, and maintain relationships for repeat business.

Qualifications

• 8–10 years of experience in sales, business development, or retail/wholesale lending.
• LAP experience is mandatory.
• Minimum 5 years of hands-on experience in Loan Against Property / high-ticket secured lending.
• Current or recent experience handling 3–20 Cr+ loan/file sizes is mandatory.
• Experience with high-ticket LAP products for HNIs, companies, business owners, or other premium customer segments.
• Candidates should ideally be from a large bank or established NBFC.
• Strong understanding of LAP products, underwriting requirements, property documentation, and the overall lending lifecycle.
• Proven track record of achieving sales/disbursement targets in high-value lending.

Responsibilities

• Drive sales of high-ticket LAP products to HNIs, corporates, business owners, and other high-value customers.
• Manage the complete sales cycle from lead generation, customer acquisition, sourcing, credit coordination, sanction, documentation, and disbursement.
• Achieve defined monthly sales/disbursement targets, typically in the range of 5 – 50 Cr per month, depending on business requirements.
• Handle an average ticket size of approximately 3 Cr and manage high-value loan proposals.
• Develop and maintain strong relationships with HNI customers, business owners, professionals, companies, connectors, and referral networks.
• Generate business through direct sourcing, existing relationships, market networks, referrals, and other acquisition channels.
• Coordinate with Credit, Operations, Legal, Valuation, Risk, and other internal teams to ensure smooth processing and timely closure of cases.
• Understand customer financial requirements and structure suitable LAP solutions within defined credit and policy parameters.
• Track the sales pipeline, proposal status, sanctions, disbursements, and business performance.

Skills

LAP sales

High-ticket lending

Credit coordination

Relationship building

Negotiation

Sales targets

Market knowledge

Travel readiness

Networking

Communication

Job description

Job Description:

We are looking for an experienced LAP Sales professional to drive sales and business development for high-ticket Loan Against Property (LAP) products targeted at HNIs, companies, and high-value customers. The role will focus on sourcing and converting large-value LAP opportunities, managing key relationships, and consistently achieving monthly disbursement targets.

The ideal candidate should have strong experience in high-ticket LAP sales, an established network in the assigned market, and a proven track record of handling large loan sizes within a leading bank or NBFC.

Key Responsibilities:

• – Drive sales of high-ticket Loan Against Property (LAP) products to HNIs, corporates, business owners, and other high-value customers.
• – Manage the complete sales cycle from lead generation, customer acquisition, sourcing, credit coordination, sanction, documentation, and disbursement.
• – Achieve defined monthly sales/disbursement targets, typically in the range of 5 – 50 Cr per month, depending on business requirements.
• – Handle an average ticket size of approximately 3 Cr and manage high-value loan proposals.
• – Develop and maintain strong relationships with HNI customers, business owners, professionals, companies, connectors, and referral networks.
• – Generate business through direct sourcing, existing relationships, market networks, referrals, and other acquisition channels.
• – Coordinate with Credit, Operations, Legal, Valuation, Risk, and other internal teams to ensure smooth processing and timely closure of cases.
• – Understand customer financial requirements and structure suitable LAP solutions within defined credit and policy parameters.
• – Track the sales pipeline, proposal status, sanctions, disbursements, and business performance.
• – Build and strengthen the branch/market-level network to create a consistent flow of high-ticket LAP business.
• – Ensure adherence to internal sales processes, credit policies, KYC requirements, and compliance standards.
• – Maintain strong post-sales relationships and identify opportunities for repeat business and referrals.
• – Monitor market trends, competitor offerings, customer needs, and local business opportunities.
• – Consistently deliver business performance while maintaining quality of sourcing and portfolio standards.

Required Skills & Experience:

• – 8 – 10 years of experience in sales, business development, or retail/wholesale lending.
• – LAP experience is mandatory.
• – Minimum 5 years of hands-on experience in Loan Against Property / high-ticket secured lending.
• – Current or recent experience handling 3 – 20 Cr+ loan/file sizes is mandatory.
• – Experience with high-ticket LAP products for HNIs, companies, business owners, or other premium customer segments.
• – Candidates should ideally be from a large bank or established NBFC.
• – Strong understanding of LAP products, underwriting requirements, property documentation, and the overall lending lifecycle.
• – Proven track record of achieving sales/disbursement targets in high-value lending.
• – Strong network and established relationships within the assigned market.
• – Demonstrated ability to independently source and close large-ticket lending opportunities.
• – Experience working closely with Credit, Risk, Operations, Legal, and other internal stakeholders.
• – Strong customer relationship management, negotiation, communication, and business development skills.
• – Strong commercial acumen and understanding of sales incentives, targets, and performance metrics.
• – Candidates currently earning sales-linked incentives and accustomed to target-driven environments are preferred.
• – Strong local market knowledge and willingness to travel extensively within the assigned geography.