Deputy State Head-Agency Channel

Job Purpose

We are seeking a highly driven and result-oriented Deputy State Head for our Affordable Housing Finance business in India. The ideal candidate will have strong leadership skills, in-depth market knowledge, and proven expertise in driving direct sourcing of affordable housing loans through an on-ground sales team and individual market initiatives.

This role requires leading, motivating, and guiding a team BSMs and ROs/RMs to achieve monthly and quarterly disbursement targets, expand customer base, and strengthen brand presence in the respective deputy state head.

Key Deliverables

Sales & Business Development

• Drive affordable housing loan business in the assigned territory through direct market sourcing and team productivity.
• Lead business growth strategy, ensuring achievement of monthly disbursement targets.
• Develop and execute sales campaigns, local tie-ups, and outreach activities to penetrate target markets.
• Monitor competitor activities, market trends, and regulatory changes to optimize business performance.

Team Management

• Directly manage a team of 45 Business Sales Managers (BSMs) and indirectly lead 1620 Relationship Officers / Managers (RO/RM).
• Set performance targets, KPIs, and sales strategies for the team.
• Coach, mentor, and motivate sales staff to ensure high performance and adherence to company values.
• Drive recruitment, training, and performance management for team members.

Channel & Customer Management

• Ensure excellent customer service experience for borrowers of affordable housing loans.
• Build strong relationships with builders, connectors, and market influencers to drive business.
• Maintain high standards of compliance and documentation in all disbursements.
• Resolve customer grievances in coordination with the credit, operations, and collection teams.

Operational & Compliance Oversight

• Ensure all credit policies, risk guidelines, and operational processes are strictly followed.
• Monitor quality of sourcing, minimize delinquency, and support collections when required.
• Regularly report sales pipeline, market feedback, and MIS to the State Head.

Role Requirements

• Education: Graduate / Postgraduate in Business Administration, Finance, or related field.

• Experience:

• 7–12 years of sales experience in Affordable Housing / Home Loans / LAP / Retail Assets.
• Minimum 3–5 years in a team management role leading 15+ team members.
• Strong track record in direct sourcing and market development.

• Skills & Competencies:

• Strong sales leadership and team management skills.
• Excellent market networking and relationship management.
• Good knowledge of affordable housing loan products, customer segments, and credit policies.
• Analytical mindset with ability to interpret sales data & MIS.
• Proficiency in MS Office, CRM tools, and digital sales platforms.

Why Join Us?

• Be part of India’s growing Affordable Housing finance sector with strong career growth opportunities.
• Competitive compensation and performance-linked incentives.
• Exposure to leadership roles with direct impact on business expansion.
• Work in a professional environment with focus on employee development and growth.