:

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:

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

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

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

- Team Management:

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

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

- Channel Management:

- Build and maintain relationships with DSAs and other sourcing partners.

- Ensure productivity and activation of all active channels.

- Credit & Compliance:





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

- Maintain portfolio hygiene and ensure low delinquency/NPA rates.

- Market Intelligence:

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

- Suggest enhancements to product/policy based on ground feedback.

Key Skills & Competencies:

- In-depth understanding of Near Prime/Affordable Housing market

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

- Channel development & management skills

- Team handling experience

- Good understanding of credit, documentation, and customer profiles

- Excellent communication, negotiation & relationship-building skills

Qualification & Experience:

- Graduate/MBA preferred

- Minimum 4–7 years of experience in home loan or LAP sales, with at least 1–2 years in a team-handling role

- Exposure to Near Prime/Affordable Housing segment is a must

Performance Metrics:

- Monthly/quarterly disbursement targets

- Active channel performance

- Team productivity

- Portfolio quality (delinquency/NPA metrics)

- TAT & customer satisfaction

📌 Bajaj Housing Finance / ASM -Prime/ Noida,Gurgaon,Hyderabad, Bangalore (Delhi)
🏢 Acura Solution
📍 Delhi