Aditya Birla Housing Finance /RSM/ Noida

Job Description:

Job Title: Regional Sales Manager – Affordable Housing Loans

Location: [Insert Region – e.g., South India, North Region, etc.]

Reports To: Zonal Sales Head / National Sales Head

Job Summary:

The Regional Sales Manager (RSM) – Affordable Housing Loans is responsible for leading, managing, and expanding the affordable housing loan business across a designated region. The RSM will be accountable for achieving sales targets, driving business growth, developing distribution channels, and ensuring compliance with internal and regulatory policies.

Key Responsibilities:

• Sales Strategy & Execution

  • Develop and implement region-specific sales strategies to achieve business targets for affordable housing loans.

  • Monitor and manage the performance of branches and field sales teams.

  • Drive lead generation, conversions, and cross-selling of other financial products.

• Team Management

  • Recruit, train, and lead a team of Area Sales Managers (ASMs), Branch Managers, and Direct Sales Executives (DSEs).

  • Conduct regular performance reviews and coaching sessions.

  • Foster a high-performance culture through motivation and goal setting.

• Market & Channel Development

  • Identify and develop new markets, affordable housing projects, and partnerships.

  • Establish and grow relationships with developers, DSAs, connectors, and other channel partners.

  • Monitor market trends and competitor activities to inform business strategy.

• Operations & Risk Management

  • Ensure adherence to credit, risk, and documentation processes across the region.

  • Collaborate with the credit and operations team for seamless disbursement and turnaround times.

  • Minimize NPAs through proactive risk identification and resolution.

• Compliance & Reporting

  • Ensure compliance with company policies, regulatory guidelines (including NHB/RBI norms), and audit requirements.

  • Provide regular updates and reports to senior management on sales performance, market feedback, and operational issues.

Key Requirements:

• Education: Graduate in any discipline; MBA preferred.

• Experience: 8–12 years of sales experience in housing finance, preferably in affordable housing loans, with at least 3–5 years in a regional leadership role.

• Skills:

  • Strong leadership and team management skills.

  • Excellent knowledge of the affordable housing finance segment.

  • Strong interpersonal and negotiation skills.

  • Ability to analyze data and take strategic decisions.

  • Fluency in regional languages is a plus.

Performance Metrics:

• Achievement of regional sales targets.

• Growth in branch productivity and market penetration.

• Channel partner expansion and engagement.

• Delinquency and NPA management.

• Employee retention and performance.