IndusInd Bank - Zonal Sales Manager - Loan Against Property

Key Responsibilities :

Sales & Business Growth :

- Drive Loan Against Property (LAP) business across the assigned zone to achieve monthly, quarterly, and annual targets.

- Ensure achievement of disbursement volumes, revenue generation, and fee income targets as per business plans.

- Develop and execute regional sales strategies to maximize market penetration and portfolio growth.

- Monitor sales performance and implement corrective actions to achieve business objectives.

Customer Relationship Management :

- Build and maintain strong customer relationships to ensure customer satisfaction and retention.

- Address customer queries and provide prompt resolution to enhance service quality.

- Identify opportunities for cross-selling and upselling financial products to existing customers.

- Ensure superior customer experience throughout the loan lifecycle.

Portfolio & Risk Management :

- Drive healthy portfolio growth while maintaining portfolio quality and minimizing delinquency risks.

- Monitor portfolio performance and ensure adherence to internal credit and compliance guidelines.

- Ensure retention of existing portfolio through quality service delivery and relationship management.

Team Management & Leadership :

- Lead, mentor, and manage Area Sales Managers (ASMs) and regional sales teams across the zone.

- Ensure ASM productivity as per defined vintage productivity norms.

- Maintain balanced team structures under each City Head/Regional Sales Manager.

- Manage team performance, engagement, and attrition effectively.

- Conduct regular performance reviews and provide coaching for continuous improvement.

Recruitment, Training & Development :

- Hire, train, and deploy manpower in line with approved budgets and business requirements.

- Develop team capabilities through ongoing training on products, policies, sales practices, and transaction handling.

- Ensure teams are aligned with organizational goals, compliance standards, and customer service expectations.

Branch & Stakeholder Coordination :

- Collaborate closely with branch teams and internal stakeholders to ensure smooth operations and consistent disbursements.

- Strengthen engagement with branches to drive business productivity and operational efficiency.

- Coordinate with credit, operations, and risk teams for faster turnaround and customer servicing.

Desired Candidate Profile :

- Graduate/Postgraduate in Business, Finance, Marketing, or related discipline.

- 10-15 years of experience in secured lending, specifically Loan Against Property (LAP), within Banking or NBFC sectors.

- Strong experience in team handling, regional sales management, and portfolio growth.

- Proven track record in achieving sales and disbursement targets.

- Strong understanding of lending processes, credit policies, and market dynamics.

- Excellent leadership, communication, and stakeholder management skills.

Key Skills :

- Loan Against Property (LAP)

- Sales & Business Development

- Team Management

- Portfolio Management

- Customer Relationship Management

- Disbursement Management

- Cross-selling & Upselling

- Branch Coordination

- Recruitment & Training

- Target Achievement

- Stakeholder Management

- Financial Services Sales

Preferred Industry :

- NBFC

- Banking

- Housing Finance

- Financial Services