Bajaj Housing / Cluster Manager Prime / Ahmedabad/Delhi

Job Description:

Job Title: Cluster Sales Manager – Prime

Function: Retail Assets / Secured Lending
Reporting To: Regional Sales Head / Zonal Head

Job Purpose

To drive business growth in the Prime segment by managing multiple branches within a cluster, leading sales teams, strengthening channels, and ensuring high-quality portfolio performance across Home Loans, LAP, and other secured retail products.

Key Responsibilities

Business Development & Sales

• Drive AUM, disbursement, and revenue growth across the cluster

• Achieve monthly and quarterly business targets for Prime products

• Identify market opportunities and expand presence in prime catchments

• Increase balance transfer, top-up, and repeat business

Team Management

• Lead and manage Cluster Sales Teams (RMs, Sales Officers, DSTs)

• Recruit, train, and mentor sales staff to improve productivity

• Conduct regular reviews, performance tracking, and coaching

• Drive a high-performance, target-driven sales culture

Channel Management

• Build and strengthen DSA, broker, builder, and referral networks

• Monitor channel productivity and ensure policy compliance

• Activate new channels and deepen relationships with existing partners

Credit, Risk & Portfolio Quality

• Ensure adherence to credit policy and underwriting norms

• Monitor portfolio health, delinquency trends, and early bucket controls

• Maintain high-quality sourcing with focus on Prime customer profiles

• Coordinate with credit and risk teams to ensure smooth approvals

Operations & Compliance

• Oversee end-to-end sales process from sourcing to disbursement

• Ensure proper documentation, TAT adherence, and audit readiness

• Maintain compliance with internal policies and regulatory guidelines

Stakeholder Management

• Coordinate with Branch Heads, Credit, Operations, Legal, and Collections

• Provide market feedback and competitor insights to senior management

• Represent the cluster in internal reviews and strategy discussions

Key Skills & Competencies

• Strong sales leadership and people management skills

• Deep understanding of Prime Home Loan & LAP products

• Knowledge of credit appraisal and risk controls

• Excellent channel and stakeholder management

• Analytical, result-oriented, and execution-focused mindset