Sales Manager - Affordable HL & LAP - West(MH & MP)

Credit Saison India; Kolhapur District; On-site; INR 1,200,000 - 2,000,000; Full time

Job summary

Credit Saison India is seeking a dynamic Sales Manager to lead a team of Relationship Officers focused on sourcing Affordable LAP and Affordable Home Loans. You will drive growth through self-sourcing and a robust connector network, overseeing end-to-end loan processing and performance management.

The role requires strong leadership, in-depth knowledge of affordable lending, and a results-oriented mindset, with travel within the territory as needed.

Qualifications

• Bachelor's degree (MBA preferred) in Business, Finance, Marketing, or related field.
• 4-8 years of experience in retail lending, preferably Affordable LAP or Home Loans.
• Minimum 2 years of experience in leading a field sales team.
• Strong understanding of affordable housing finance and LAP market.
• Proven ability to manage sales targets and channel relationships.
• Excellent leadership, communication, negotiation and interpersonal skills.

Responsibilities

• 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.
• Drive new loan origination through 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.
• Build, onboard and maintain strong relationships with connectors, referral agents, property dealers, and other intermediaries.
• Ensure connectors are well-trained, motivated, and aligned with company compliance and documentation standards.
• 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.
• 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.

Job description

Job Description for a Sales Manager who will lead a team of Relationship Officers focused on sourcing Affordable Loan Against Property (LAP) and Affordable Home Loans

Through Self-sourcing And Connectors

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 connectors, 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
• Any Graduates