Manager - Home Loan

Job Summary

Note: We are looking for pure home loan sales experience, credit and operations candidate do not apply. Irrelevant profile will be blocked for future opening also.

Role purpose: Drive housing loan business through sourcing, partner management, customer engagement, and disciplined execution while ensuring compliance and portfolio quality.

Responsibilities

1. Business Development (Sourcing Sales)

• Achieve assigned targets for Home Loan and Loan Against Property (LAP) products.
• Source business through direct channels, builders, connectors and DSAs.
• Identify new catchments, micro-markets, and lead generators to build a healthy pipeline.
• Drive revenue growth through optimum product mix, pricing discipline, and cross-sell/referrals.
• Key measures (KPIs): Monthly disbursement/booking target; login-to-sanction and sanction-to-disbursement conversion; active lead pipeline; sourcing mix by channel.

2. Builder Channel Partner Management

• Develop and maintain strong relationships with builders, developers, and channel partners.
• Identify, evaluate, and onboard new builder projects/DSAs for sustained sourcing.
• Act as the single point of contact for partners; ensure timely resolution of queries and smooth customer experience.
• Run engagement activities (site visits, joint campaigns, meet-ups) to maintain continuous business flow.
• Key measures (KPIs): Active partners; partner-wise disbursement; repeat business rate; productivity per DSA/builder; partner satisfaction/issue closure TAT.

3. Project Approval Internal Coordination

• Coordinate with credit, legal and technical teams for project approvals and exception closures.
• Ensure complete documentation, due diligence and timely submission of required reports.
• Maintain and regularly update the tracker for approved projects, renewals, and pipeline proposals.
• Key measures (KPIs): No. of projects approved/renewed; approval TAT; documentation discrepancy rate; pending query aging.

4. Sales Operations (Login, Processing Disbursement)

• From sales perspective - Ensure complete, accurate login of loan applications (KYC, income, property and technical/legal documents as applicable).
• Coordinate with processing/RAPC teams for timely credit checks, field investigations, and query resolutions.
• Monitor TAT at each stage and proactively follow up to move files from login to sanction and disbursement.
• Maintain transparent customer communication on status, requirements, and timelines.
• Key measures (KPIs): Login quality (rework rate); stage-wise TAT; sanction and disbursement ratio; customer query closure time; customer experience/complaint rate.

5. Portfolio Quality Risk Management

• Source quality customers and maintain prudent customer selection aligned to policy and risk appetite.
• Ensure proper KYC, AML checks, and accurate customer profiling; avoid policy deviations and mis-selling.
• Support early-warning actions by coordinating with collections/operations for pre-EMI/EMI adherence and post-disbursement documentation.
• Key measures (KPIs): Early delinquency (0uPHONE_NUMBER/30uPHONE_NUMBER DPD) levels; bounce rate; policy deviation rate; fraud/negative verification rate; portfolio health indicators.

6. Market Intelligence Reporting

• Track competitor pricing, policies, turnaround times, and channel movements in the catchment.
• Share market insights and funnel analytics with the manager to support campaigns and monthly planning.
• Maintain daily/weekly MIS on leads, logins, sanctions, disbursements and pending pipelines.
• Key measures (KPIs): MIS timeliness and accuracy; pipeline coverage ratio; campaign ROI/lead quality (as tracked); actionable competitive insights shared.

7. Compliance, Documentation Governance

• Ensure adherence to regulatory requirements and internal policies (KYC/AML, fair practices code, data privacy, and audit standards).
• Maintain complete documentation and file hygiene for audits and internal reviews.
• Follow ethical selling practices; ensure transparent communication and proper disclosures to customers and partners.
• Key measures (KPIs): Audit observations (count/severity); discrepancy rate; policy breach incidents; training completion/knowledge checks (if applicable).

Requirements

• Bachelor degree
• 3 years worked as a Manager
• Home loan end to end knowledge is mandatory
• Fully sales and target oriented
• Job Type: Full time
• Work Experience: 5-7 years

Disclaimer: This job posting has been aggregated from external source. Role details, content, and availability are subject to change. Applicants are advised to confirm the latest information directly on the company website before applying.