Sales Manager - Retail Sales

Tata Capital Finance Ltd; Chandigarh; On-site; INR 900,000 - 1,300,000; Full time

Job summary

Tata Capital Finance Ltd in Chandigarh is seeking a Sales Manager - Retail Sales to lead Direct & DSA channel activities for housing loans. The role demands 4–6 years of experience in retail lending, strong team leadership, and the ability to drive growth across branch operations.

You will manage end-to-end lending processes, build partnerships with developers, ensure cost control, and maintain high service standards while aligning with NHB regulations and company strategy.

Qualifications

• 4–6 years of experience in retail housing loan sales.
• Experience managing channel partners and sales teams.
• Familiarity with NHB regulations and lending processes.

Responsibilities

• Execute branch strategy to meet sales forecasts and maintain client relationships.
• Expand customer base for affordable home loans through channel partners.
• Develop source mix with direct and indirect sourcing channels.
• Oversee lending process at all stages from inquiry to disbursement.
• Manage branch costs and monitor delinquency.
• Lead SM & RM team and ensure staffing and training.
• Ensure compliance with NHB regulations and audits.

Education

Graduate

Job description

Sales Manager - Retail Sales - Direct & DSA Channel - Housing - EM - Sales - Chandigarh - SCO 20 - JM

Core Responsibilities

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. Capitalise 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.

Graduate : Yes Desired Experience: Minimum 4 - 6 years in the field.