Sales Manager - Retail Housing Loans

Tata Capital Finance Ltd; Gorakhpur District; On-site; INR 800,000 - 1,100,000; Full time

Job summary

Tata Capital Finance Ltd in Gorakhpur is seeking a Sales Manager to drive Retail Housing loan sales across direct and channel partners. You will execute the branch strategy, build a robust demand funnel, and meet sales forecasts while maintaining strong client relationships.

You will lead the SM & RM team, optimize the distribution network, coordinate with builders and developers, and oversee loan processing from inquiry to disbursement, ensuring compliant operations and growth.

Qualifications

• Experience in retail housing loan sales within a branch network.
• Ability to lead sales teams and manage channel partners.
• Strong relationship skills with clients and builders.

Responsibilities

• Execute the defined strategy to achieve branch performance.
• Create a demand funnel and meet sales forecasts with clients.
• Manage growth and profitability by staying competitive in knowledge.
• Expand and retain customer base for affordable home loans via channel partners.
• Develop and optimize source mix including direct and indirect channels.
• Coordinate with developers for joint promotions and tie-ups.
• Oversee loan processing from inquiry to disbursement and post-disbursement service.
• Monitor branch costs and ensure low delinquency.
• Ensure internal controls and compliance with NHB/regulations.

Skills

Sales Management

Team Leadership

Channel Partners

Customer Relationships

Job description

Sales Manager - Retail Sales - Mix Channel - Housing - EM - Sales - Gorakhpur - Prahalad Rai Trade Centre - JM Branch

Process Management

• Execute the defined strategy to achieve the defined performance of the branch.
• Create a demand funnel and efficiently meet sales forecasts by maintaining a good relationship with clients
• Manage growth and profitability of the branch by maintaining competitive knowledge so as to create and adjust sales strategies
• Expand and retain the company's base of customers for affordable home loans by developing and maintaining strong liaisons with the clients/channel partners for repeat business or referrals while also ensuring they are part of our future projects.
• Build and develop a defined source mix comprising of direct and indirect sourcing channels.
• Capitalize on business opportunities, builder tie ups, and plan and monitor joint promotional activities with developers.
• Facilitate the development of new locations as per targets so as to penetrate new markets and thereby increase business
• Ensure smooth functioning of the lending process at the various stages such as inquiry, application, verification, pre-sanction processing of loan, sanction, post-sanction documentation, disbursement of loan, collection, new and existing customer service.
• Manage post-sales customer/channel partner escalation.
• Co-ordinate and supervise all key departments internally and strategies the road map for lending products.
• Managing branch operating costs including cost of acquisition, expenses and operations.
• Closely monitors the quality of book ensuring minimum delinquency at the branch level.
• To support the appropriate closure of stress accounts and move them out of the portfolio by collaborating with collections team.

Team Management

• Optimize and closely monitor team productivity by effectively managing the team of sales managers so as to assure achievement of business targets and profitability of the area
• Collaborate effectively with departments including Channel partners.
• Lead and supervise the SM & RM team by support through appropriate hiring, training, reward and recognition.
• Responsible for the overall administrative functioning of the branch.
• Ensure active distribution span of control is maintained at the branch level as per norms.

Industry & Governance

• Constantly keep abreast of market trends and competitor intelligence so as to build and develop effective sales and marketing strategies
• Ability to establish internal controls for legal compliance and conduct periodic audits to detect non-compliance & frauds and devise actions for correction and prevention.
• Ensure a strong understanding of the markets / competition / process and products available in the markets and 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 policies and procedures of the company.