HL ( Home loan ) Bangalore

Role & responsibilities

• usiness Development & Revenue Generation: Drive sourcing and disbursement of Home Loans (HL) and Loan Against Property (LAP) to achieve monthly and quarterly sales targets.
• DSA & Channel Partner Management: Onboard, manage, and optimize relationships with Direct Selling Agents (DSAs), connectors, real estate developers, and builders to build a robust referral network.
• Lead Conversion: Process inbound digital/tele-leads promptly, conduct initial customer meetings, and manage the end-to-end sales funnel from inquiry to disbursement.
• Credit & Application Scrutiny: Conduct preliminary screening of customer profiles, financial eligibility, property documents, and KYC compliance prior to credit appraisal submission.
• Stakeholder Coordination: Coordinate closely with internal Credit, Legal, Technical, and Operations teams to ensure fast processing, quick sanction turnaround times (TAT), and smooth loan disbursement.
• Portfolio & Risk Management: Ensure early-stage delinquency controls by maintaining high quality of sourcing and adherence to company risk and credit policies.
• Market & Competitor Analysis: Track local real estate trends, competitor offerings, interest rate dynamics, and scheme structures to effectively position loan products.

Preferred candidate profile

• Experience: 5 to 10 years of proven sales experience in Home Loans (HL) or LAP within a reputed Bank, NBFC, or Housing Finance Company (HFC).
• Education: Graduate in any discipline; MBA / Post-Graduation in Sales & Marketing or Finance is preferred.
• Key Skills:
  
• Strong understanding of retail loan processing, mortgage documentation, title search, and technical valuation basics.
• Active local network of real estate developers, property brokers, and DSAs.
• Strong negotiation, relationship management, and communication skills.