Job Description:

Job Description – Area Head, HL/LAP

Position: Area Head – Home Loans & Loan Against Property (HL/LAP)
Department: Retail Assets
Location: Mumbai,Thane
Reporting To: Regional Head / Zonal Head
Experience: 8–15 years in Retail Assets, preferably HL/LAP

Role Purpose

To drive business growth, profitability, portfolio quality, and customer acquisition for the Home Loan and Loan Against Property business across the assigned area. The role will be responsible for managing branches/teams, building sourcing channels, strengthening market presence, and ensuring compliance with credit and operational processes.

Key Responsibilities

1. Business Growth
- Achieve monthly, quarterly, and annual disbursement and AUM targets for HL/LAP.
- Drive business through branches, DSAs, connectors, builders, property dealers, and other sourcing channels.
- Develop and execute area-level business plans based on market potential.
- Identify new markets, customer segments, and sourcing opportunities.
- Improve productivity and conversion ratios across the sales funnel.

2.



Team Management
- Lead and manage Area/Branch Sales Managers, Relationship Managers, and other sales personnel.
- Set individual and team targets and monitor performance regularly.
- Conduct periodic reviews and provide coaching, training, and on-the-job guidance.
- Build a solid performance-oriented sales culture.
- Support recruitment, onboarding, and retention of key team members.

3. Channel & Relationship Management
- Develop strong relationships with DSAs, connectors, builders, brokers, and other business partners.
- Identify and onboard productive sourcing partners.
- Monitor partner productivity, quality, and compliance.
- Strengthen referral and cross-sell opportunities.

4. Credit & Portfolio Quality
- Ensure quality sourcing with adherence to defined credit policies.
- Work closely with Credit, Operations, Legal, Technical, and Collections teams for smooth processing.
- Monitor delinquency, b

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