Sales Manager - Home Loans

Kaairo; Mumbai; On-site; INR 1,800,000 - 3,200,000; Full time

Benefits offered by this job

Incentive pay

Field work across micro-market

Job summary

Kaairo is seeking a hands-on Sales Manager to grow the home loan and LAP business in a defined Mumbai micro-market. You will build working relationships with builders, DSAs and connectors, lead a small team of sales officers, and own the full login-to-disbursal funnel.

In this field-based role, you will match loan amounts and tenures to repayment capacity, ensure regulatory KYC and LTV compliance, and strive to exceed monthly disbursal targets in a dynamic Mumbai market.

Qualifications

• 3+ years in home loan, LAP or secured retail lending sales, with leadership experience.
• Familiarity with RBI LTV norms and PMAY-U 2.0 subsidy.

Responsibilities

• Source home loan and LAP files through builders, DSAs, and referrals and maintain productive relationships.
• Lead and manage a small team of sales officers, planning weekly login and disbursal targets.
• Own the login-to-disbursal funnel and drive files to sanction and disbursal.
• Coordinate with credit, legal and operations to move clean files quickly.

Skills

Sales leadership

Channel sourcing

Team management

Credit coordination

Market development

Customer suitability

Job description

We are seeking a hands-on Sales Manager to grow home loan and loan against property business in a defined Mumbai micro-market. The ideal candidate will bring working relationships with builders, DSAs and connectors, a record of hitting a monthly disbursal number, and the judgement to size every loan to the customer who has to repay it. This role will be responsible for a small team of sales officers, for the full funnel from login to disbursal, and for opening the next source before the current one runs dry.

Key Responsibilities

• Channel Sourcing: Source home loan and LAP files through builder projects, DSAs, connectors and branch referrals, and keep those relationships productive on service rather than payout.
• Team Leadership: Lead a team of sales officers, set their weekly login and disbursal plans, and review their files before they reach credit.
• Funnel Ownership: Own the login to sanction to disbursal funnel, chase sanctioned files to disbursal, and know on any given day where the month's number is coming from.
• Credit Coordination: Work with credit, legal and operations so that clean files move quickly and weak files are fixed at source rather than argued about later.
• Customer Suitability: Match loan amount, tenure and product to the customer's real repayment capacity, explain the terms plainly, and use PMAY-U 2.0 subsidy eligibility where the customer qualifies.
• Market Development: Map the micro-market, open new projects and sourcing points, and replace a source before it dries up.
• Compliance: Keep KYC, income assessment and LTV inside policy and regulation, and escal...

Educational Qualification

• 3+ years in home loan, LAP or other secured retail lending sales, with at least a year leading sales officers or a channel, and disbursal numbers you can speak to.
• Working knowledge of RBI LTV norms, income assessment for salaried and self-employed customers, and the PMAY-U 2.0 interest subsidy.

What We Offer

• A live micro-market with builder projects and channel partners already in place rather than a cold start.
• Credit and operations teams that turn clean files around quickly.
• A transparent incentive structure tied to disbursal volume and portfolio quality.
• Mumbai based role with field work across the micro-market.

This application includes an assessment to proceed with your candidacy.