Sales Manager - Affordable HL & LAP - South ( AP & TS )

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 conenctors, 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

 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 Level L2-A

• (L2) Grade b Qualifications Any Graduates Any Graduates