Aditya Birla Housing Finance / ASM -Affordable / Kolkata

Job Description:

Job Title: Area Sales Manager – Affordable Housing Loans

Location: [City/Region]

Role Summary:

The ASM – Affordable Housing is responsible for driving sales of affordable housing loan products within the assigned territory. The role includes managing a team of sales officers/relationship managers, sourcing new business through various channels, maintaining relationships with channel partners, and ensuring portfolio quality while achieving disbursement targets.

Key Responsibilities:

• Business Development & Sales:

  • Drive affordable housing loan sales and achieve monthly/quarterly disbursement targets.

  • Develop business through DSAs, connectors, builders, developers, and direct sourcing.

  • Identify and tap into new markets and customer segments.

• Team Management:

  • Recruit, train, and manage a team of sales officers/relationship managers.

  • Set individual targets, monitor performance, and ensure productivity.

  • Motivate and guide the team to deliver high-quality customer service.

• Channel & Partner Management:

  • Build and maintain strong relationships with DSAs, builders, and intermediaries.

  • Ensure timely payouts, partner engagement, and business continuity.

• Customer Engagement & Service:

  • Act as a point of contact for escalations and ensure quick resolution.

  • Provide guidance to customers on loan eligibility, documentation, and product benefits.

• Risk & Portfolio Quality:

  • Ensure credit quality by sourcing high-quality proposals.

  • Monitor delinquency, early defaults, and take corrective measures.

  • Coordinate with credit, operations, and collections teams for smooth processing.

• Market Intelligence:

  • Track competitor activities, market trends, and regulatory changes in affordable housing finance.

  • Share insights with management for product and process improvements.

Key Skills & Competencies:

• Strong knowledge of Affordable Housing Loan products.

• Proven track record in retail lending, housing finance, or LAP segment.

• Ability to drive sales team performance and achieve targets.

• Excellent relationship-building skills with partners and customers.

• Good understanding of credit underwriting parameters and documentation.

• Strong leadership, communication, and problem-solving skills.