Designated Regional Manager - Prime

Role & responsibilities

The Designated Regional Manager is responsible for establishing and driving the Near Prime business at the branch level by leading sales, credit coordination, operations, collections, and customer service. The role focuses on achieving business targets while maintaining portfolio quality, regulatory compliance, and team productivity.

Preferred candidate profile

1. Business Development

• Achieve monthly and annual disbursement targets.
• Develop the Near Prime portfolio through Direct Sales, DSAs, Connectors, Builders, and Referral channels.
• Identify new business opportunities and expand market presence.
• Increase branch profitability and productivity.

2. Team Management

• Recruit, train, mentor and retain branch sales team.
• Set clear KRAs and monitor daily performance.
• Conduct daily sales meetings and review pipeline.
• Drive a high-performance and customer-centric culture.

3. Customer Acquisition

• Generate quality Home Loan and LAP business.
• Build strong relationships with customers, builders, brokers, CA network and influencers.
• Ensure superior customer experience from login to disbursement.

4. Portfolio Quality

• Ensure sourcing of quality business within company underwriting guidelines.
• Maintain healthy portfolio quality.
• Drive early collections and minimize delinquency.
• Monitor overdue cases and coordinate recovery efforts.

5. Credit & Operations Coordination

• Coordinate with Credit, Technical, Legal and Operations teams for faster sanction and disbursement.
• Ensure timely document collection.
• Improve Login-to-Sanction and Sanction-to-Disbursement conversion.

6. Compliance & Risk Management

• Ensure adherence to RBI, NHB and company policies.
• Maintain KYC, AML and documentation standards.
• Prevent fraud through proper customer verification.
• Ensure branch audit readiness.

7. Market Intelligence

• Track competition, pricing and market trends.
• Identify emerging business pockets.
• Recommend new sourcing strategies.

8. Relationship Management

• Build long-term relationships with:
• DSAs
• Builders
• Channel Partners
• Property Consultants
• Chartered Accountants
• Existing customers

Experience

• 610 years in Housing Finance, NBFC or Banking.
• Minimum 2–3 years as Branch Manager/Cluster Manager.
• Strong exposure to Home Loans, LAP and Near Prime customers.
• Experience handling both Sales and Portfolio Quality.