Reg. Sales Mgr-Housing Loan

Job Title

Regional Sales Manager - Housing Loan

Business Unit

Retail Assets - Home Loans

Reporting To

Zonal Sales Manager / National Sales Manager - Home Loans

Job Function and Role Type

Sales, Supervisory

Version No

2.0

Job Purpose

Manage Home Loans business for a city/state and achieve assigned targets through a sales team. Drive recruitment, training, and productivity to meet business objectives.

Key Responsibilities

Drive Logins for Home Loans

• Drive logins through SMs, HBL, DSA, and channels.
• Conduct database calling and reference generation.
• Engage in branch and catchment area activities.

Achieve Disbursal Targets

• Achieve annual disbursal targets based on city categories.
• Coordinate with HDFC Ltd for post-sanction documentation.
• Drive calling on SUD cases and customer coordination.

Drive RM and PB Activation

• Achieve RM activation of 40% and PB activation of 30%.
• Engage RMs and PBs to scope customer bases.
• Launch drives and provide training for better conversions.

Drive Insurance Penetration

• Achieve 1.1% of disbursal target via insurance.
• Collaborate with HDFC Life and HDFC ERGO teams.
• Ensure periodic training for the sales team.

Drive CASA and Credit Card Cross-Sell

• Achieve CASA and credit card targets based on city categories.
• Review calling on customers for CASA cross-sell.
• Provide continuous training to the sales team.

Drive Channel-Wise Growth

• Ensure 20% disbursals from alternate channels.
• Review channel-wise performance and lead quality.
• Arrange training for channel partners to improve file quality.

Drive and Achieve Branch Targets

• Ensure 80% of branches meet targets.
• Follow branch sales processes and update MOM in Cogent.
• Engage with branches for catchment area activities.

Drive SM and HBL Productivity

• Ensure 80% of SMs meet targets after three months.
• Achieve one fresh unit disbursal per executive monthly.
• Provide training, conduct joint visits, and review team size.

Education:

Postgraduate with a background in sales and team handling.

Certifications:

None specified.

Key Competencies

Sales and influencing skills, product and process knowledge, planning and organizing, communication, knowledge of competition.

Major Stakeholders

Sales team, internal channels (branches, VRM, COP, Prime, PBK, Unified, BEU), external channels (DSA, connectors), HDFC Ltd Credit and Operations, HR.