Relationship Manager - Retail Home Loan Sales

Tata Capital Finance Ltd; Bhopal; On-site; INR 500,000 - 900,000; Full time

Job summary

Tata Capital Finance Ltd in Bhopal invites an ambitious Relationship Manager to drive retail housing sales through the DSA channel. You will aggressively push home loan targets, deepen client relationships, and expand the network of DSAs and builders to maximize conversions.

You will guide a sales team, optimize performance, stay ahead of market and regulatory changes, and ensure smooth processing from login to disbursement, coordinating with Operations and Credit to close files efficiently.

Qualifications

• Graduate, Masters/Postgraduate

Responsibilities

• Aggressively drive the sales numbers and achieve the business targets for home loans and cross selling while continuing to enhance and upgrade the client relationships.
• Retain and expand the base of customers for home loan and LAP channel to ensure repeat business or referrals.
• Maximize sales through a network of DSA by effectively managing connector and builder relationships to ensure strong business
• Develop and maintain strong liaisons with the clients for repeat business or referrals.
• Maximize number of APFs and increase penetration in the approved APF projects.
• Identify and develop new builder/channel relationships to penetrate new markets and thereby increase business
• Ensure the files are processed from login stage to disbursement and liaise with internal departments (Operations and Credit) for completion.
• Optimize team productivity by effectively managing the team of relationship managers to assure achievement of team results and thereby meet the business targets and profitability of the area
• Align with the team on ground lead generation activities for Sales.
• Lead and supervise the team of relationship managers for the implementation of the growth agenda through appropriate training, motivation and deployment strategies
• Constantly keep abreast of market trends and competitor intelligence so as to build and develop effective sales and marketing strategies
• Use understanding of the markets / competition / process and products available in the markets to provide positive feedback to the central product and policy team to stay ahead in the market.
• Ensure compliance to all Audit / NHB regulations as well as processes, policies and reports as per company designed systems.

Education

Graduate

Masters/Postgraduate

Job description

Relationship Manager - Retail Sales - DSA Channel - Housing - DM - Sales - Bhopal - Alankar Complex - J Grades Core Responsibilities:

• Aggressively drive the sales numbers and achieve the business targets for home loans and through cross selling while continuing to enhance and upgrade the client relationships.
• Retain and expand the company's base of customers for home loan and LAP channel so as to ensure repeat business or referrals
• Maximize sales through a network of DSA by effectively managing connector and builder relationships to ensure strong business
• Develop and maintain strong liaisons with the clients for repeat business or referrals.
• Maximize number of APFs and increase penetration in the approved APF projects.
• Identify and develop new builder/channel relationships so as to penetrate new markets and thereby increase business
• Ensure the files are processed from login stage to disbursement and liaise with internal departments (Operations and Credit) for completion.

Sales Planning and Team Management

• Optimize team productivity by effectively managing the team of relationship managers so as to assure achievement of team results and thereby meet the business targets and profitability of the area
• Align with the team on ground lead generation activities for Sales.
• Lead and supervise the team of relationship managers for the implementation of the growth agenda through appropriate training, motivation and deployment strategies

Industry & Governance

• Constantly keep abreast of market trends and competitor intelligence so as to build and develop effective sales and marketing strategies
• Use understanding of the markets / competition / process and products available in the markets to provide positive feedback to the central product and policy team to stay ahead in the market.
• Ensure compliance to all Audit / NHB regulations as well as processes, policies and reports as per company designed systems.

Qualifications:

Graduate, Masters/Postgraduate