Bajaj Housing/ ASM / Gwalior, Kochi ,Trivandrum,Trichi,

Job Description:

Role Objective:

To lead and manage a team of Relationship Managers / Sales Officers to drive business growth in Home Loan and Loan Against Property segments, ensuring achievement of sales targets, portfolio quality, and compliance standards across assigned geography.

Key Responsibilities:

1. Business Development & Sales Achievement

• Drive sales of Home Loans and LAP through direct sourcing, connectors, builders, DSAs, and channel partners.

• Ensure achievement of monthly and quarterly disbursement targets.

• Identify new business opportunities and develop area-specific growth strategies.

• Monitor and ensure balanced growth across products (HL vs LAP).

2. Team Management

• Recruit, train, and motivate a team of Relationship Managers and Sales Officers.

• Set clear targets, monitor performance, and ensure productivity of the team.

• Provide guidance and conduct regular review meetings to enhance sales effectiveness.

3. Channel & Builder Relationship

• Develop and maintain strong relationships with builders, connectors, and channel partners to generate business leads.

• Ensure timely resolution of partner queries and strengthen long-term partnerships.

4. Credit & Portfolio Management

• Work closely with the Credit and Operations teams to ensure timely login, sanction, and disbursement of files.

• Maintain high-quality sourcing with minimal delinquency and fraud risk.

• Monitor portfolio health and ensure early warning signal tracking.

5. Market Intelligence & Competition Tracking

• Keep track of competitor offerings, pricing, and market trends.

• Provide feedback to product and policy teams for improvement in processes or offerings.

6. Compliance & Audit

• Ensure adherence to all regulatory, compliance, and KYC norms.

• Maintain zero deviation in audit and operational checks.

Key Skills & Competencies:

• Strong understanding of Mortgage Products – HL, LAP, Balance Transfer, Top-up Loans.

• Team handling and leadership abilities.

• Excellent communication and negotiation skills.

• Relationship management with channel partners and customers.

• Result-oriented with strong business acumen.