Sales Manager - Affordable HL & LAP - West(MH & MP)

for a Sales Manager who will lead a team of Relationship Officers focused

on sourcing Affordable Loan Against Property (LAP) and Affordable Home Loans

Through Self-sourcing And Connectors

• Job Title: Sales Manager – Affordable LAP & Home Loans
• Department: Affordable LAP and Affordable HL
• Reports To: Area Sales Manager
• Employment Type: Full-Time

Job Summary

• We are looking for a dynamic and experienced Sales Manager to lead a team of
• Relationship Officers in sourcing Affordable Loan Against Property (LAP) and
• Affordable Home Loan applications. The ideal candidate will be responsible for driving
• sales through self-sourcing initiatives and building a robust connector network.This
• role requires strong leadership, in-depth knowledge of the affordable lending space, and a
• results-oriented mindset.

Key Responsibilities

• Team Leadership & Performance Management:
•  Recruit, train, and manage a team of Relationship Officers focused on sourcing
• Affordable LAP and Affordable Home Loans.
•  Set clear sales targets for the team and drive performance to meet or exceed
• monthly and quarterly disbursal goals.
•  Monitor team activity, guide field efforts, and ensure high productivity and efficiency.

Sales & Business Development

•  Drive new loan origination through both direct customer engagement and by
• expanding the connector ecosystem.
•  Develop and execute local sales strategies to penetrate target markets within the
• affordable segment (self-employed and salaried customers).
•  Continuously identify new market opportunities and geographic segments for loan
• sourcing.

Connector & Channel Development

•  Build, onboard, and maintain strong relationships with conenctors, referral agents,
• property dealers, and other intermediaries.
•  Ensure connectors are well-trained, motivated, and aligned with company
• compliance and documentation standards.

Process Management & Coordination

•  Ensure smooth end-to-end processing of loan files — from lead generation to
• documentation, credit processing, and disbursal.
•  Work closely with internal credit, operations, and risk teams to resolve bottlenecks
• and fast-track eligible applications.

Compliance & Reporting

•  Monitor portfolio quality, ensure credit discipline, and adherence to all regulatory and
• company policies.
•  Maintain regular MIS and reporting on team performance, disbursal trends, lead
• funnel, and connector activity.

Qualifications And Skills

•  Bachelors degree (MBA preferred) in Business, Finance, Marketing, or a related
• field.
•  4–8 years of experience in retail lending, preferably in Affordable LAP or Home
• Loans.
•  Minimum 2 years of experience in leading a field sales team.
•  Strong understanding of the affordable housing finance and LAP market, especially
• customer segments like self-employed, informal income groups, etc.
•  Strong understanding of Legal and technical aspects of mortgage loans
•  Proven ability to manage sales targets, team KPIs, and channel relationships.
•  Excellent leadership, communication, negotiation, and interpersonal skills.
•  Willingness to travel extensively within the assigned territory.

Key Performance Indicators (KPIs)

•  Loan disbursal volume and value (Affordable LAP and Home Loans).
•  Team productivity (individual and overall RO performance).
•  Connector activation and business contribution.
•  Portfolio quality (delinquency and rejection rates).
•  Lead-to-disbursal conversion ratios.

Compensation

•  Competitive fixed salary
•  Team-based and individual performance-linked incentives
•  Travel and field allowances as per company policy
• Any Graduates