Role & responsibilities A comprehensive for Sales Manager, Branch Manager, and Area Sales Manager focusing on Commercial Vehicle (CV) and Housing Loan Against Property (LAP) finance involves driving asset-backed lending growth, managing teams, and maintaining portfolio health .

Core Focus Areas: CV & Housing LAP

- Commercial Vehicle (CV): Sourcing loans for new or used trucks, buses, and construction equipment; evaluating vehicle valuation; managing transporter and dealer networks
- Housing LAP (Loan Against Property): Sourcing high-ticket mortgage loans against residential or commercial properties; building relationships with channel partners, builders, and direct-to-customer acquisition.

1. Sales Manager (CV / Housing LAP)

- Role Focus: Individual contributor or small-team handler driving direct sourcing, channel partner onboarding, and monthly disbursement targets.

- Key Responsibilities:
- Source high-intent leads for CV financing or LAP through direct marketing, local dealers, and direct-selling agents (DSAs).
- Conduct initial client financial evaluation, property/asset assessment, and document collection.
- Coordinate with credit and risk teams to ensure fast, compliant file processing.
- Maintain strict portfolio hygiene (controlling early delinquencies and collection efforts).

2. Branch Manager (CV & Housing LAP)

- Role Focus: Total ownership of branch-level P&L; (Profit & Loss), operations, team leadership,



and target delivery.

- Key Responsibilities:
- Lead, mentor, and track daily performance of Sales Managers and officers.
- Drive branch business targets for both asset classes (CV and LAP) alongside collections.
- Ensure day-to-day branch operations comply with audit, risk, and regulatory guidelines.
- Build local community rapport and resolve complex customer or channel escalation bottlenecks

3. Area Sales Manager - ASM (CV & Housing LAP)

- Role Focus: Strategic multi-branch or territory oversight to expand market footprint and regional revenue.

- Key Responsibilities:
- Formulate regional sales strategies with Regional Heads to hit volume and value metrics.
- Supervise multiple branch managers and sales teams, ensuring manpower productivity.
- Monitor portfolio health, asset quality, and delinquency rates across the assigned area.
- Optimize channel network (dealers, DSAs, connectors) and handle high-value exception approvals with risk counterparts

Key Requirements & Skills

- Education: Graduate in any discipline; MBA/Postgraduate in Finance or Marketing preferred.
- Experience: 2 to 10+ years in NBFC/Bank asset sales, specifically managing CV or mortgage/LAP portfolios.
- Competencies: Solid local market knowledge, risk management awareness, negotiation acumen, and willingness to travel extensively

Preferred candidate profile

📌 Sales Manager, Branch Manager & Area Sales Manager (Delhi)
🏢 DJT Microfinance
📍 Delhi