Secured Sales Manager Loan Against Property DSA IC Role

Function: Sales / Business Development
Location: Kolkata
Reporting To: Area Sales Manager / Cluster Head

Role Objective

Drive business growth in the Loan Against Property (LAP) segment by sourcing and managing secured lending opportunities within the 10 Lakhs to 3 Crore ticket size, ensuring portfolio quality, compliance, and profitability.

Key Responsibilities

Business Development & Sales

• Acquire new customers through multiple channels such as DSAs, connectors, brokers, and direct sourcing.
• Drive LAP business with focus on self-sourcing and channel activation.
• Achieve monthly and quarterly disbursement targets.
• Build and manage a strong pipeline of secured lending opportunities.

Channel Management

• Identify, onboard, and manage DSA / Channel Partners for business sourcing.
• Ensure productivity and activation of channel partners.
• Maintain long-term relationships to drive consistent business flow.

Customer Handling

• Understand customer financial requirements and propose suitable LAP solutions.
• Coordinate with credit, legal, and technical teams for faster processing.
• Ensure a seamless customer experience from lead generation to disbursement.

Credit & Risk Coordination

• Conduct initial customer profiling and eligibility assessment.
• Ensure proper documentation and adherence to internal compliance norms.
• Work closely with credit teams to improve approval rates while maintaining risk standards.

Portfolio Quality

• Maintain healthy portfolio quality with focus on low delinquency and minimal NPAs.
• Monitor early warning signals and support collections where required.

Market Intelligence

• Track competitor offerings, interest rates, and market trends.
• Identify opportunities for business expansion in assigned geography.

Key Performance Indicators (KPIs)

• Disbursement volume ( value)
• Number of files logged and approved
• Self-sourcing ratio
• Channel productivity
• Portfolio quality (Delinquency / Bounce %)
• Conversion ratio (Login to disbursement)

Eligibility Criteria

Education

• Graduate / Postgraduate (MBA preferred)

Experience

• 3-8 years of experience in secured lending (LAP / Mortgage Loans / Housing Loans)
• Proven track record in managing ticket sizes 10 Lakhs 3 Crore

Key Skills & Competencies

• Strong sales and negotiation skills
• Deep understanding of secured lending products
• Channel / DSA management expertise
• Good knowledge of credit policies and documentation
• Relationship building and stakeholder management
• Result-oriented with strong execution ability

Preferred Candidate Profile

• Candidates with an existing DSA/connector network will be preferred
• Strong local market knowledge
• Ability to work in a target-driven environment

Compensation

• Competitive fixed salary + performance incentives + reimbursement as per company policy

Contact person : Somenath [phone removed]

Perks and benefits

Performance bonus, Medical Insurance, Term life insurance, Accident insurance and Petrol allowance