Orix India - Area Sales Manager - Loan Against Property

Purpose of the Role: To manage Sales and Distribution for LAP business.

Key Responsibilities:

- Sales and distribution - primarily target achievement and distribution expansion.

- Maintain portfolio quality - source right set of the customers, constant supervision of the portfolio.

- Training and development programs for channel partners and direct sales team

- Revenue optimization - to maximize opportunities on other revenue streams like cross sales of insurance, proc. fee collection etc. Also to ensure the acquisition cost and credit related costs are in check.

- Customer Service - pre and post disbursal.

- Aggressively drive the sales numbers and achieve the business targets for mortgage loans and through Direct, DSA, Cross selling while continuing to enhance and upgrade the client relationships.

- Retain and expand the company's base of customers for mortgage loan and LAP channel to ensure repeat business or referrals.

- Maximize sales through a network of DSA by effectively managing connector and builder relationships to ensure strong business.

- Develop and maintain strong liaisons with the clients for repeat business or referrals.

- Identify and develop new builder/channel relationships to penetrate new markets and thereby increase business.

- Ensure the files are processed from login stage to disbursement and liaise with internal departments (Operations and Credit) for completion.

- Align with the team on ground lead generation activities for Sales.

Relevant Experience & Skills:

- 4+ experience in the financial services industry, with a focus on loan against property.

- Excellent knowledge of loan underwriting, credit risk assessment, and regulatory compliance.

- Exceptional communication, negotiation, and relationship management skills.

- Analytical mindset with the ability to interpret financial data and make informed decisions.

Relevant Skills:

- Loan Against Property Expertise: In-depth understanding and knowledge of Loan Against Property products and services, including various loan types, eligibility criteria, and documentation requirements.

- DSA Management: Proficiency in managing DSAs, including appointing, training, and monitoring their performance to achieve business goals.

Please note candidates with prior experience in LAP/Mortgage Loans should apply.