State Head

MAS Rural Housing and Mortgage Finance Limited; Indore District; On-site; INR 900,000 - 1,500,000; Full time

Job summary

MAS Rural Housing and Mortgage Finance Limited is seeking a dynamic sales leader to drive Home Loan growth across Indore district. You will lead a high-performing team, build lender relationships, and execute strategies to expand market share.

The role requires strong leadership, deep knowledge of mortgage products, credit processes, and the ability to manage multiple branches while achieving targets and ensuring excellent customer service.

Qualifications

• Strong leadership and team management skills.
• Excellent sales, negotiation, and relationship management abilities.
• Sound knowledge of Home Loan products and mortgage industry.
• Understanding of credit assessment and loan processing.
• Strong analytical and decision‑making skills.
• Excellent communication and presentation skills.
• Market development and business planning expertise.
• Proficiency in MS Excel and MIS reporting.

Responsibilities

• Drive Home Loan business to achieve assigned sales and disbursement targets.
• Manage and monitor performance of branches within the assigned territory.
• Recruit, train, mentor, and retain Branch Managers, Sales Managers, Relationship Officers, and other sales team members.
• Develop and implement business strategies to maximize market penetration and revenue.
• Build and maintain strong relationships with builders, developers, DSAs, connectors, and referral partners.
• Identify new business opportunities and expand the company's presence in the assigned market.
• Monitor daily sales activities, customer acquisition, and conversion ratios.
• Ensure adherence to company policies, operational guidelines, and credit processes.
• Coordinate with Credit, Operations, Legal, Technical, and Collection teams for smooth loan processing and timely disbursement.
• Monitor portfolio quality, delinquency, and collection efficiency within the assigned area.
• Conduct regular branch visits, performance reviews, and market analysis.
• Prepare and present MIS reports, business forecasts, and sales performance reports to senior management.
• Resolve customer escalations and ensure a high level of customer satisfaction.
• Monitor competitor activities, market trends, and pricing to identify growth opportunities.
• Ensure regulatory compliance and maintain documentation standards.

Skills

Leadership

Sales skills

Relationship management

Home loan products

Credit assessment

Analytical skills

Communication

Market development

MS Excel

MIS reporting

Job description

Key Responsibilities

• Drive Home Loan business to achieve assigned sales and disbursement targets.
• Manage and monitor the performance of branches within the assigned territory.
• Recruit, train, mentor, and retain Branch Managers, Sales Managers, Relationship Officers, and other sales team members.
• Develop and implement business strategies to maximize market penetration and revenue.
• Build and maintain strong relationships with builders, developers, DSAs, connectors, and referral partners.
• Identify new business opportunities and expand the company's presence in the assigned market.
• Monitor daily sales activities, customer acquisition, and conversion ratios.
• Ensure adherence to company policies, operational guidelines, and credit processes.
• Coordinate with Credit, Operations, Legal, Technical, and Collection teams for smooth loan processing and timely disbursement.
• Monitor portfolio quality, delinquency, and collection efficiency within the assigned area.
• Conduct regular branch visits, performance reviews, and market analysis.
• Prepare and present MIS reports, business forecasts, and sales performance reports to senior management.
• Resolve customer escalations and ensure a high level of customer satisfaction.
• Monitor competitor activities, market trends, and pricing to identify growth opportunities.
• Ensure regulatory compliance and maintain documentation standards.

Key Performance Indicators (KPIs)

• Home Loan disbursement achievement
• Business sourcing and customer acquisition
• Team productivity and sales performance
• Branch profitability
• Portfolio quality (PAR/NPA control)
• Builder/DSA activation and productivity
• Customer satisfaction
• Compliance with company policies

Required Skills

• Strong leadership and team management skills
• Excellent sales, negotiation, and relationship management abilities
• Sound knowledge of Home Loan products and mortgage industry
• Understanding of credit assessment and loan processing
• Strong analytical and decision‑making skills
• Excellent communication and presentation skills
• Market development and business planning expertise
• Proficiency in MS Excel and MIS reporting