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:

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Business Development:

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

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

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

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Team Management:

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

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

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Channel Management:

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Build and maintain relationships with DSAs and other sourcing partners.

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Ensure productivity and activation of all active channels.

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Credit & Compliance:

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

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Maintain portfolio hygiene and ensure low delinquency/NPA rates.

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Market Intelligence:

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

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Suggest enhancements to product/policy based on ground feedback.

Key Skills & Competencies:

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In-depth understanding of Near Prime/Affordable Housing market

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

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Channel development & management skills

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Team handling experience

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Valuable understanding of credit, documentation, and customer profiles

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Excellent communication, negotiation & relationship-building skills

📌 Bajaj Housing Finance (Delhi)
🏢 Acura Solution
📍 Delhi