Relationship Manager- Affordable

IIFL Home Finance; Ratlam; On-site; INR 900,000 - 1,500,000; Full time

Job summary

IIFL Home Finance in Ratlam seeks an experienced Branch Sales Head to lead branch operations and drive growth in home loan and mortgage products. You will manage the sales team, develop market channels, and forge partnerships to expand customer acquisition.

The role requires strong leadership, business development, and relationship-building skills, with a focus on achieving targets while maintaining portfolio quality and regulatory compliance.

Qualifications

• Proven ability to lead sales teams and manage branch-level performance.
• Strong business development, networking, negotiation, and influencing skills.
• Excellent interpersonal, communication, and problem-solving abilities.
• High motivation, self-starter attitude, and bias for action in a high-performance environment.
• Strong analytical skills to track performance and drive profitability.
• Working knowledge of Excel and sales MIS tools.

Responsibilities

• Manage overall branch sales operations, including business development and customer service.
• Drive home loan business growth through direct sourcing, connectors, builder tie-ups, and open-market channels.
• Build and maintain strong customer and builder relationships to maximize business value.
• Lead, train, and motivate the sales team; recruit high-performing talent while fostering engagement.
• Develop and implement strategies to achieve branch sales targets.
• Monitor branch portfolio performance and implement corrective measures.
• Ensure adherence to regulatory guidelines, internal policies, and audit requirements.
• Collaborate with Operations and Risk teams to streamline loan processes and maintain portfolio quality.
• Oversee collections for acquired portfolios to ensure healthy asset quality.
• Track market trends, competitive activities, and customer feedback; suggest strategic actions.
• Execute promotional campaigns and initiatives to boost customer acquisition.

Skills

Leadership

Business Development

Negotiation

Customer Relationship

Team Training

Portfolio Management

Analytical Skills

Excel & MIS

Education

Minimum Graduate

Tools

Excel

Sales MIS tools

Job description

Job Purpose:

The role is responsible for leading branch operations and driving business growth for home loan and mortgage products. It involves achieving sales targets through team management, market development, and strategic partnerships. The position focuses on expanding customer acquisition, ensuring compliance, maintaining portfolio quality, and delivering a superior customer experience across all branch activities.

Key Responsibilities:

• Manage overall branch sales operations, including business development, customer service, and compliance.
• Drive home loan business growth through direct sourcing,connectors, builder tie-ups, and open-market channels.
• Build and maintain strong customer and builder relationships to maximize business value and cross-sell opportunities.
• Lead, train, and motivate the sales team; recruit high-performing talent while fostering engagement.
• Develop and implement strategies to achieve branch sales targets.
• Monitor branch portfolio performance and implement corrective measures.
• Ensure adherence to regulatory guidelines, internal policies, and audit requirements.
• Collaborate with Operations and Risk teams to streamline loan processes, maintain portfolio quality, and control NPAs.
• Oversee collections for acquired portfolios to ensure healthy asset quality.
• Track market trends, competitive activities, and customer feedback; recommend strategies to enhance business outcomes.
• Execute promotional campaigns, contests, and innovative initiatives to boost customer acquisition.

Skills Required:

• Proven ability to lead sales teams and manage branch-level PL.
• Strong business development, networking, negotiation, and influencing skills.
• Excellent interpersonal, communication, and problem-solving abilities.
• High motivation, self-starter attitude, and bias for action in a high-performance environment.
• Strong analytical skills to track performance and drive profitability.
• Working knowledge of Excel and sales MIS tools

Educational Qualifications and Experience:

• < 25 years of experience in Home Loan or Mortgage Sales within BFSI/NBFC; exposure to Loans Against Property preferred.
• Prior experience in direct customer acquisition and channel sales; strong local market knowledge and established regional network.
• Minimum Graduate