Job Description:

We are looking for an experienced LAP Sales professional to drive sales and business development for high-ticket Loan Against Property (LAP) products targeted at HNIs, companies, and high-value customers. The role will focus on sourcing and converting large-value LAP opportunities, managing key relationships, and consistently achieving monthly disbursement targets.

The ideal candidate should have strong experience in high-ticket LAP sales, an established network in the assigned market, and a proven track record of handling large loan sizes within a leading bank or NBFC.

Key Responsibilities:

- Drive sales of high-ticket Loan Against Property (LAP) products to HNIs, corporates, business owners, and other high-value customers.

- Manage the complete sales cycle from lead generation, customer acquisition, sourcing, credit coordination, sanction, documentation, and disbursement.

- Achieve defined monthly sales/disbursement targets, typically in the range of 5 - 50 Cr per month, depending on business requirements.

- Handle an average ticket size of approximately 3 Cr and manage high-value loan proposals.

- Develop and maintain strong relationships with HNI customers, business owners, professionals, companies, connectors, and referral networks.

- Generate business through direct sourcing, existing relationships, market networks, referrals, and other acquisition channels.

- Coordinate with Credit, Operations, Legal, Valuation, Risk, and other internal teams to ensure smooth processing and timely closure of cases.

- Understand customer financial requirements and structure suitable LAP solutions within defined credit and policy parameters.

- Track the sales pipeline, proposal status, sanctions, disbursements, and business performance.

- Build and strengthen the branch/market-level network to create a consistent flow of high-ticket LAP business.

- Ensure adherence to internal sales processes, credit policies, KYC requirements, and compliance standards.

- Maintain strong post-sales relationships and identify opportunities for repeat business and referrals.

- Monitor market trends, competitor offerings, customer needs, and local business opportunities.

- Consistently deliver business performance while maintaining quality of sourcing and portfolio standards.

Required Skills & Experience:

- 8 - 10 years of experience in sales, business development, or retail/wholesale lending.

- LAP experience is mandatory.

- Minimum 5 years of hands-on experience in Loan Against Property / high-ticket secured lending.

- Current or recent experience handling 3 - 20 Cr+ loan/file sizes is mandatory.

- Experience with high-ticket LAP products for HNIs, companies, business owners, or other premium customer segments.

- Candidates should ideally be from a large bank or established NBFC.

- Strong understanding of LAP products, underwriting requirements, property documentation, and the overall lending lifecycle.

- Proven track record of achieving sales/disbursement targets in high-value lending.

- Strong network and established relationships within the assigned market.

- Demonstrated ability to independently source and close large-ticket lending opportunities.

- Experience working closely with Credit, Risk, Operations, Legal, and other internal stakeholders.

- Strong customer relationship management, negotiation, communication, and business development skills.

- Strong commercial acumen and understanding of sales incentives, targets, and performance metrics.

- Candidates currently earning sales-linked incentives and accustomed to target-driven environments are preferred.

- Strong local market knowledge and willingness to travel extensively within the assigned geography.