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

Credit Saison India; Vizianagaram; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Credit Saison India seeks a dynamic Sales Manager to lead a team of Relationship Officers in sourcing Affordable LAP and Affordable Home Loans. The role focuses on self-sourcing, expanding connectors, and ensuring end-to-end loan processing with internal teams.

The ideal candidate has 4–8 years in retail lending, proven leadership, and strong knowledge of affordable housing finance. Willingness to travel is required to cover assigned territory.

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.

Responsibilities

• Lead a team of Relationship Officers focusing on sourcing Affordable LAP and Affordable Home Loans.
• Set and drive sales targets to meet monthly and quarterly disbursal goals.
• Develop local sales strategies to penetrate target markets in the affordable segment.
• Build and maintain relationships with connectors, referral agents, and intermediaries.
• Ensure end-to-end loan processing from lead generation to disbursal and coordination with credit ops.

Skills

Leadership

Communication

Negotiation

Interpersonal skills

Retail lending experience

Field sales leadership

Affordable LAP market understanding

Travel willingness

Education

Bachelor’s degree in Business/Finance/Marketing

MBA preferred

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