Bajaj Housing Finance / ASM -Prime/ Noida,Gurgaon,Hyderabad, Bangalore

Job Description:

Job Title: Area Sales Manager – Near Prime (Home Loan & Loan Against Property)
Location: [City/Region Specific]
Department: Sales – Affordable/Near Prime Segment
Reporting to: Regional Sales Manager / Zonal Sales Manager

Job Purpose:

To drive affordable housing loan and LAP business in the Near Prime segment, managing a team of Relationship Officers/Executives, building strong channel partner relationships (DSAs, Connectors), ensuring compliance, and achieving sales targets with quality sourcing.

Key Responsibilities:

• Business Development:

  • Acquire new customers for home loans and LAP (Loan Against Property) under the Near Prime category (salaried/self-employed).

  • Source files through DSAs, connectors, builders, real estate agents, and other open market channels.

  • Identify and develop new geographies and opportunities in semi-urban/rural areas.

• Team Management:

  • Lead a team of Relationship Officers/Executives to achieve sales goals.

  • Provide training, support, and guidance to the team on product knowledge, credit parameters, and documentation.

• Channel Management:

  • Build and maintain relationships with DSAs and other sourcing partners.

  • Ensure productivity and activation of all active channels.

• Credit & Compliance:

  • Ensure files sourced are within the acceptable credit norms, with required documentation and minimum deviation.

  • Maintain portfolio hygiene and ensure low delinquency/NPA rates.

• Market Intelligence:

  • Stay updated on competitor offerings, pricing, and sourcing strategies.

  • Suggest enhancements to product/policy based on ground feedback.

Key Skills & Competencies:

• In-depth understanding of Near Prime/Affordable Housing market

• Experience in Home Loan/LAP sales (preferably in NBFCs/HFCs)

• Channel development & management skills

• Team handling experience

• Good understanding of credit, documentation, and customer profiles

• Excellent communication, negotiation & relationship-building skills

Qualification & Experience:

• Graduate/MBA preferred

• Minimum 4–7 years of experience in home loan or LAP sales, with at least 1–2 years in a team-handling role

• Exposure to Near Prime/Affordable Housing segment is a must

Performance Metrics:

• Monthly/quarterly disbursement targets

• Active channel performance

• Team productivity

• Portfolio quality (delinquency/NPA metrics)

• TAT & customer satisfaction