Muthoot Finance - Regional Sales Manager - Micro Loan Against Property

Job Summary:

We are seeking a results-driven and strategic Regional Sales Manager to lead and manage the Loan against Property (LAP) vertical for the assigned region. The role involves driving business targets, managing a team of sales professionals, building channel relationships, and ensuring compliance with credit and operational processes.

Key Responsibilities:

Business Development:

- Develop and execute a strategic plan to achieve LAP disbursement targets for the assigned region.

- Identify high-potential catchments and drive lead generation through self-sourcing and channel partners.

- Forge and maintain relationships with DSAs, connectors, property consultants, and other sourcing channels.

Team Management:

- Train, and manage a team of Area Sales Managers, Sales Managers, and Relationship Officers.

- Regularly monitor team performance, ensure productivity, and provide mentoring/coaching to achieve team KPIs.

Credit and Process Adherence:

- Coordinate with the credit team to ensure quick TAT for login to disbursal.

- Ensure quality sourcing with minimal deviations and adherence to credit policy.

- Monitor file movement across login, sanction, and disbursal stages.

Reporting and Analysis:

- Track regional sales performance through dashboards and MIS reports.

- Analyse competitor activities and provide feedback to senior management.

- Forecast sales trends and market conditions to proactively adjust strategy.

Stakeholder Coordination:

- Liaise with internal teams - Credit, Operations, Legal, and Collections for smooth end-to-end processing.

- Conduct regular meetings and feedback sessions with channel partners and customers.

Requirements:

- Graduate/Postgraduate (MBA preferred) with 8-10 years of relevant experience in LAP or secured lending with 2-3 years in a managerial capacity.

- Proven regional leadership experience in retail loan products.

- Strong understanding of LAP underwriting norms, documentation, and market practices.

- Excellent communication, negotiation, and people management skills.

- Willingness to travel extensively within the assigned region.

Location: Chennai and Jaipur