Sales Manager - Affordable HL & LAP - South ( AP & TS )

Credit Saison India; Hyderabad; On-site; INR 900,000 - 1,300,000; Full time

Benefits offered by this job

Travel allowances

Field allowances

Job summary

Credit Saison India is seeking a dynamic Sales Manager to lead a team of Relationship Officers in sourcing Affordable LAP and Affordable Home Loans. You will drive growth through self-sourcing and by expanding the connector ecosystem while ensuring compliance and timely disbursals.

The role requires strong leadership, deep knowledge of the affordable lending space, and a track record of achieving sales targets across self-employed and salaried customer segments.

Qualifications

• Bachelor’s degree (MBA preferred) in Business, Finance, Marketing, or a related field.
• 4–8 years of experience in retail lending, preferably in Affordable LAP or Home Loans.
• Minimum 2 years of experience in leading a field sales team.
• Strong understanding of the affordable housing finance and LAP market, especially customer segments like self-employed, informal income groups, etc.
• Strong understanding of Legal and technical aspects of mortgage loans.
• Proven ability to manage sales targets, team KPIs, and channel relationships.
• Excellent leadership, communication, negotiation, and interpersonal skills.
• Willingness to travel extensively within the assigned territory.

Responsibilities

• Lead and manage a team of Relationship Officers focused on sourcing Affordable LAP and Affordable Home Loans.
• Set sales targets for the team and drive performance to meet disbursal goals.
• Monitor activity, guide field efforts, and ensure high productivity and efficiency.
• Drive new loan origination through direct customer engagement and connector ecosystem expansion.
• Develop and execute local sales strategies for the affordable segment (self-employed and salaried).
• Identify new market opportunities and geographic segments for loan sourcing.
• Build and maintain relationships with connectors, referral agents, property dealers, and intermediaries.
• Ensure connectors are trained, motivated, and compliant with standards.
• Oversee end-to-end loan processing from lead to disbursal, coordinating with credit, ops, and risk teams.
• Monitor portfolio quality, credit discipline, and regulatory compliance; maintain MIS.

Skills

Leadership

Sales strategy

Team management

Negotiation

Communication

Education

MBA preferred

Bachelor’s degree in Business/Finance/Marketing

Job description

Job Title: Sales Manager – Affordable LAP & Home Loans

Department: Affordable LAP and Affordable HL

Reports To: Area Sales Manager

Employment Type: Full-Time

Job Summary

We are looking for a dynamic and experienced Sales Manager to lead a team of Relationship Officers in sourcing Affordable Loan Against Property (LAP) and Affordable Home Loan applications. The ideal candidate will be responsible for driving sales through self-sourcing initiatives and building a robust connector network.This role requires strong leadership, in-depth knowledge of the affordable lending space, and a results-oriented mindset.

Key Responsibilities

• Team Leadership & Performance Management:
  • Recruit, train, and manage a team of Relationship Officers focused on sourcing Affordable LAP and Affordable Home Loans.
  • Set clear sales targets for the team and drive performance to meet or exceed monthly and quarterly disbursal goals.
  • Monitor team activity, guide field efforts, and ensure high productivity and efficiency.
• Sales & Business Development
  • Drive new loan origination through both direct customer engagement and by expanding the connector ecosystem.
  • Develop and execute local sales strategies to penetrate target markets within the affordable segment (self-employed and salaried customers).
  • Continuously identify new market opportunities and geographic segments for loan sourcing.
• Connector & Channel Development
  • Build, onboard, and maintain strong relationships with conenctors, referral agents, property dealers, and other intermediaries.
  • Ensure connectors are well-trained, motivated, and aligned with company compliance and documentation standards.
• Process Management & Coordination
  • Ensure smooth end-to-end processing of loan files — from lead generation to documentation, credit processing, and disbursal.
  • Work closely with internal credit, operations, and risk teams to resolve bottlenecks and fast-track eligible applications.
• Compliance & Reporting
  • Monitor portfolio quality, ensure credit discipline, and adherence to all regulatory and company policies.
  • Maintain regular MIS and reporting on team performance, disbursal trends, lead funnel, and connector activity.

Qualifications And Skills

• Bachelor’s degree (MBA preferred) in Business, Finance, Marketing, or a related field.
• 4–8 years of experience in retail lending, preferably in Affordable LAP or Home Loans.
• Minimum 2 years of experience in leading a field sales team.
• Strong understanding of the affordable housing finance and LAP market, especially customer segments like self-employed, informal income groups, etc.
• Strong understanding of Legal and technical aspects of mortgage loans.
• Proven ability to manage sales targets, team KPIs, and channel relationships.
• Excellent leadership, communication, negotiation, and interpersonal skills.
• Willingness to travel extensively within the assigned territory.

Key Performance Indicators (KPIs)

• Loan disbursal volume and value (Affordable LAP and Home Loans).
• Team productivity (individual and overall RO performance).
• Connector activation and business contribution.
• Portfolio quality (delinquency and rejection rates).
• Lead-to-disbursal conversion ratios.

Compensation

• Competitive fixed salary
• Team-based and individual performance-linked incentives
• Travel and field allowances as per company policy

Level

L2-A - (L2)

Grade

b

Qualifications

• Any Graduates
• Any Graduates