HDB Financial Services - Area Manager - Mortgage

Role Overview:

The Area Manager - Mortgage is responsible for driving profitable growth across an assigned cluster by managing connector-led sales, strengthening customer and partner relationships, and ensuring operational excellence. The role focuses on achieving business targets, maintaining portfolio quality, expanding market presence, and building high-performing teams.

Key Responsibilities:

• Own and manage the Mortgage business for the assigned locations/cluster.
• Drive profitable sales growth, ensuring achievement of volume, value, and IRR targets.
• Manage and grow the Connector network, ensuring productivity and engagement.
• Ensure 100% compliance with credit policies, processes, and regulatory guidelines.
• Identify and penetrate new catchment areas to enhance market coverage month-on-month.
• Identify upcoming markets and lead new branch / operations setup in those locations.
• Understand customer requirements and ensure quick turnaround and service delivery.
• Build and maintain strong relationships with existing customers to generate repeat and referral business.
• Act as a key escalation point for critical customer and partner issues.
• Monitor portfolio quality and ensure delinquency and credit costs remain within defined thresholds.
• Ensure adherence to underwriting norms and risk frameworks.
• Drive early warning mechanisms and corrective actions to maintain portfolio health.
• Lead, coach, and motivate sales and operations teams across the cluster.
• Ensure optimal staffing, team grooming, engagement, and minimal attrition.
• Assess training needs and implement development initiatives to improve team productivity and performance.
• Track business productivity metrics and ensure efficient operations across locations.
• Ensure timely MIS reporting, business reviews, and action plans.
• Coordinate with internal stakeholders including Credit, Operations, Product, and Risk teams.
• Introduce and implement sales promotion and marketing initiatives in coordination with the Product and Marketing teams.
• Drive local campaigns and connector engagement programs to boost business volumes.

Experience - 6-10 years of total experience, with minimum 4-6 years in secured lending, preferably Mortgage / Home Loans / LAP.