ASM (LAP)

Role & Responsibilities

• Business Acquisition & Sales: Drive business targets for Loan Against Property (LAP) within the assigned area/territory by managing direct sales teams and channel partners (DSAs/Connectors).
• Team Management: Recruit, train, and manage a team of Relationship Managers / Sales Officers to ensure target achievement, productivity, and adherence to company policies.
• Channel Partner Management: Onboard, activate, and maintain strong relationships with Direct Sales Agents (DSAs), brokers, and financial consultants to expand market reach.
• Lead Generation & Conversion: Oversee the end-to-end sales lifecyclefrom lead generation, customer meetings, and property evaluation to file login and disbursement.
• Credit & Underwriting Coordination: Collaborate closely with the credit and risk underwriting teams to resolve queries, ensure smooth file flow, and achieve timely sanctions and disbursements.
• Market Intelligence & Competitor Analysis: Keep track of competitor offerings, local market trends, property rate benchmarks, and regulatory changes in the local LAP market.
• Portfolio & Risk Management: Ensure high portfolio quality by verifying customer credibility, coordinating property visits/valuation, and managing initial portfolio health to minimize early defaults/NPA.

Preferred candidate profile

• Education: Graduate/Postgraduate in Business Administration, Finance, Commerce, or a related field (MBA preferred).
• Experience: 8 to 15 years of experience in retail lending, specifically focused on Loan Against Property (LAP) or Mortgage loans, with at least 2 years in a team handling/managerial role.
• Technical & Domain Expertise:
  
• Strong understanding of LAP products, collateral/property valuation, title checking procedures, legal verification, and local mortgage regulations.
• In-depth knowledge of income evaluation methods for self-employed non-professionals (SENP) and self-employed professionals (SEP).
• Key Skills: Team leadership, channel partner (DSA) network management, negotiation, analytical skills, and strong local market awareness.