KA
Sales Manager - Home Loans
kaairo · Mumbai · onsite · Posted 42d ago
Not disclosed3–5 yrsfulltimeSourced from
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About this role
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Confidential Role
A housing finance company in Mumbai
Sales Manager - Home Loans
Up to ₹10 LPA Mid-Level Housing Finance Mumbai, Maharashtra, India
About The Role
We are seeking a hands-on Sales Manager to grow home loan and loan against property business in a defined Mumbai micro-market. The ideal candidate will bring working relationships with builders, DSAs and connectors, a record of hitting a monthly disbursal number, and the judgement to size every loan to the customer who has to repay it. This role will be responsible for a small team of sales officers, for the full funnel from login to disbursal, and for opening the next source before the current one runs dry.
Key Responsibilities
Confidential Role
A housing finance company in Mumbai
Sales Manager - Home Loans
Up to ₹10 LPA Mid-Level Housing Finance Mumbai, Maharashtra, India
About The Role
We are seeking a hands-on Sales Manager to grow home loan and loan against property business in a defined Mumbai micro-market. The ideal candidate will bring working relationships with builders, DSAs and connectors, a record of hitting a monthly disbursal number, and the judgement to size every loan to the customer who has to repay it. This role will be responsible for a small team of sales officers, for the full funnel from login to disbursal, and for opening the next source before the current one runs dry.
Key Responsibilities
- Channel Sourcing: Source home loan and LAP files through builder projects, DSAs, connectors and branch referrals, and keep those relationships productive on service rather than payout.
- Team Leadership: Lead a team of sales officers, set their weekly login and disbursal plans, and review their files before they reach credit.
- Funnel Ownership: Own the login to sanction to disbursal funnel, chase sanctioned files to disbursal, and know on any given day where the month's number is coming from.
- Credit Coordination: Work with credit, legal and operations so that clean files move quickly and weak files are fixed at source rather than argued about later.
- Customer Suitability: Match loan amount, tenure and product to the customer's real repayment capacity, explain the terms plainly, and use PMAY-U 2.0 subsidy eligibility where the customer qualifies.
- Market Development: Map the micro-market, open new projects and sourcing points, and replace a source before it dries up.
- Compliance: Keep KYC, income assessment and LTV inside policy and regulation, and escalate any file that sits near the edge.
- Graduate degree required. MBA preferred.
- 3+ years in home loan, LAP or other secured retail lending sales, with at least a year leading sales officers or a channel, and disbursal numbers you can speak to.
- Working knowledge of RBI LTV norms, income assessment for salaried and self-employed customers, and the PMAY-U 2.0 interest subsidy.
- A live micro-market with builder projects and channel partners already in place rather than a cold start.
- Credit and operations teams that turn clean files around quickly.
- A transparent incentive structure tied to disbursal volume and portfolio quality.
- Mumbai based role with field work across the micro-market.
Sourced from foundit
Skills
PMAY-U 2.0 subsidyRBI LTV normsHome loanIncome assessmentLoan against property