Job Summary:

The Sales Manager - Loan Against Property is responsible for sourcing, acquiring, and managing Loan Against Property business through direct sales, channel partners, DSAs, connectors, and referrals. The role focuses on achieving sales targets, developing new business opportunities, maintaining customer relationships, and ensuring compliance with lending policies and regulatory requirements.

Total Experience: 8 - 12 years

Key Responsibilities:

Sales & Business Development:

- Achieve monthly, quarterly, and annual LAP sourcing and disbursement targets.

- Generate business through direct sales, DSAs, brokers, connectors, and channel partners.

- Identify new market opportunities and customer segments.

- Build and maintain a healthy sales pipeline for consistent business growth.

- Cross-sell related financial products where applicable.

Customer Acquisition & Relationship Management:

- Acquire new customers and maintain strong relationships with existing clients.

- Understand customer requirements and recommend suitable LAP solutions.

- Handle customer queries and ensure a smooth onboarding experience.

- Drive customer retention, referrals, and repeat business.

Channel Partner Management:

- Recruit, onboard, train, and manage DSAs, connectors, and channel partners.

- Develop strong relationships with real estate agents, builders, and referral networks.

- Monitor partner productivity and business contribution.

Loan Processing & Coordination:

- Conduct preliminary assessment of loan applications and customer eligibility.

- Coordinate with Credit, Legal, Technical, and Operations teams for sanction and disbursement.

- Ensure proper documentation and adherence to company policies.

- Monitor pre-disbursement and post-disbursement activities.

Compliance & Reporting:

- Ensure compliance with RBI guidelines, company policies, KYC, AML, and lending norms.

- Prepare sales reports, forecasts, and performance dashboards.

- Track market trends, competition, and portfolio quality.

Required Qualifications:

- Bachelor's degree in Business, Finance, Marketing, or related field.

- MBA/PGDM preferred.

- 4 - 8 years of experience in LAP, mortgage, home loans, or secured lending sales.

- Experience in Banking, NBFC, Housing Finance, or Financial Services sectors preferred.

Key Skills:

- Loan Against Property (LAP) Sales

- Business Development

- DSA / Channel Partner Management

- Customer Relationship Management

- Team Leadership

- Sales Negotiation & Closing

- Credit Assessment Basics

- Communication & Presentation Skills

- CRM & MS Excel Knowledge

- Market Analysis & Lead Generation