Develop and execute the national strategy for the Loan Against Property (LAP) business to achieve revenue, market share, and profitability targets.
Lead the business development and growth initiatives for LAP, focusing on key market segments and regions.
Define and drive the overall business model for LAP, including pricing, underwriting, and customer acquisition strategies.
Ensure alignment of business goals with organizational objectives to drive sustained growth.

Lead, mentor, and motivate a nationwide team of relationship managers, sales executives, and credit officers.
Oversee recruitment, training, and development programs to build a high-performing team capable of meeting and exceeding business targets.
Foster a collaborative and performance-oriented team culture that encourages innovation and continuous improvement.

Build and nurture strong relationships with key business clients, including SMEs, mid-market companies, and large corporates.
Ensure the provision of superior service to business clients, handling complex queries, escalations, and relationship management.
Identify opportunities to deepen client relationships and offer tailored financial solutions.

Drive the LAP portfolio growth, ensuring the achievement of revenue, profitability, and risk management targets.
Monitor and manage the P&L for the LAP business, ensuring efficient cost management and resource allocation.
Design and implement cross-sell and up-sell strategies to maximize revenue from existing clients.

Ensure the effective management of credit, operational, and market risks associated with the LAP portfolio.
Oversee the risk assessment, underwriting processes, and credit quality to ensure compliance with internal policies and regulatory requirements.
Work closely with the credit team to ensure the maintenance of asset quality and adherence to lending standards.

Stay up-to-date with industry trends, market dynamics, and competitive landscape to identify new opportunities and threats.
Lead market research initiatives to identify new customer segments, regions, and distribution channels for LAP products.
Collaborate with the marketing and product teams to design and roll out promotional campaigns for the LAP business.

Regularly report to senior management on the performance of the LAP business, including financial metrics, KPIs, and market performance.
Utilize data and analytics to evaluate performance and identify areas of improvement.

A Master's Degree in Business Administration (MBA), Finance, or a related field is preferred.
A Bachelor's degree in Business, Finance, Economics, or a related field is required.

10+ years of experience in the financial services industry, with a strong focus on business banking, corporate lending, or mortgage products.
At least 5 years in a leadership or managerial role, managing teams and driving business strategies for LAP or similar financial products.
Proven experience in managing large portfolios, client relationships, and developing strategic initiatives for growth in the LAP business.

Leadership: Strong leadership and people management skills to drive team performance and achieve business objectives.
Business Acumen: Strong understanding of financial markets, business lending products, and key drivers of profitability.
Client Relationship Management: Expertise in managing complex relationships with business clients and providing customized financial solutions.
Risk Management: In-depth knowledge of credit risk management and compliance regulations for business lending.
Strategic Thinking: Ability to develop and execute strategic plans that drive growth and profitability.
Analytical Skills: Strong analytical abilities to assess business performance and identify market opportunities.
Communication Skills: Excellent verbal and written communication skills to interact with clients, senior management, and cross-functional teams.
Negotiation Skills: Proven ability to negotiate terms and close deals with business clients.

Results-driven, with a strong focus on achieving business targets and operational excellence.
Highly motivated with the ability to thrive in a fast-paced and competitive environment.
Strong interpersonal skills, with the ability to build rapport and trust with clients and stakeholders.
Ability to adapt to changing market conditions and work effectively under pressure.

Cluster Sales Manager- Working Capital_ Banking

Business Controller