Zonal Sales Head - Affordable Home Loans & LAP

Job Title: Zonal Sales Head - Affordable Home Loans & LAP

Department: Affordable Housing Finance

Sitting Location: Bengaluru

Geography: Karnataka, Andhra Pradesh, Telangana, and Tamil Nadu

Reporting To: Business Head

Model: Direct & Connector

Role Purpose:

Drive business growth, market expansion, and profitability for affordable home loans and LAP in the assigned zone by building sales teams, strengthening distribution networks, and maintaining a healthy loan portfolio.

Key Responsibilities:

- Business & Revenue Growth: Own end-to-end sales targets, deliver disbursement and revenue goals, and grow market share.

- Distribution & Channel Management: Scale branch-led and channel-driven networks, build partnerships with DSAs, connectors, and builders, and stabilize new branches.

- Team Leadership: Lead and mentor Regional Sales Heads and frontline teams, set KPIs, and monitor daily performance.

- Portfolio Quality & Risk Control: Collaborate with Credit, Risk, and Operations teams, monitor portfolio health and early delinquencies, and ensure strict policy compliance.

Key Skills:

- Proven track record of managing large, geographically spread sales teams.

- Deep understanding of local micro-markets and customer segments (self-employed, informal income groups).

- Strong knowledge of legal and technical aspects of mortgage property evaluation.

- Excellent negotiation, communication, and leadership abilities.