Orix India - Area Sales Manager - Loan Against Property

Purpose of the Role : To manage Sales and Distribution for LAP business.

Key Responsibilities :

• Sales and distribution - primarily target achievement and distribution expansion.
• Maintain portfolio quality - source right set of the customers, constant supervision of the portfolio.
• Training and development programs for channel partners and direct sales team
• Revenue optimization - to maximize opportunities on other revenue streams like cross sales of insurance, proc. fee collection etc.

Also to ensure the acquisition cost and credit related costs are in check.

• Customer Service - pre and post disbursal.
• Aggressively drive the sales numbers and achieve the business targets for mortgage loans and through Direct, DSA, Cross selling while continuing to enhance and upgrade the client relationships.
• Retain and expand the company's base of customers for mortgage loan and LAP channel to ensure repeat business or referrals.
• Maximize sales through a network of DSA by effectively managing connector and builder relationships to ensure strong business.
• Develop and maintain strong liaisons with the clients for repeat business or referrals.
• Identify and develop new builder / channel relationships to penetrate new markets and thereby increase business.
• Ensure the files are processed from login stage to disbursement and liaise with internal departments (Operations and Credit) for completion.
• Align with the team on ground lead generation activities for Sales.

Relevant Experience & Skills :

• 4+ experience in the financial services industry, with a focus on loan against property.
• Excellent knowledge of loan underwriting, credit risk assessment, and regulatory compliance.
• Exceptional communication, negotiation, and relationship management skills.
• Analytical mindset with the ability to interpret financial data and make informed decisions.

Relevant Skills :

• Loan Against Property Expertise : In-depth understanding and knowledge of Loan Against Property products and services, including various loan types, eligibility criteria, and documentation requirements.
• DSA Management : Proficiency in managing DSAs, including appointing, training, and monitoring their performance to achieve business goals.

Please note candidates with prior experience in LAP / Mortgage Loans should apply.

ref : iimjobs.com)