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

Bachelor's 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

Level

L2-A - (L2)

Grade

b

Qualifications

Any Graduates

Any Graduates

Sales Manager - Affordable HL & LAP - South ( AP & TS )