Sales Manager - Loan Against Property (LAP)

Overview

Aditya Birla Capital Limited is seeking a Sales Manager specialized in Loan Against Property (LAP) to join their Kolkata branch. This role demands driving sales, building customer relations, and managing channel partners for the successful disbursement of LAP products.

Primary Duties

• Generate new LAP customers via diverse channels including Direct Selling Agents (DSAs), brokers, connectors, and direct outreach.
• Focus on self-sourcing and channel activation to boost LAP business growth.
• Consistently meet monthly and quarterly loan disbursement goals.
• Develop and nurture a robust pipeline of secured lending opportunities.
• Identify, onboard, and manage DSA and channel partners to enhance business sourcing and ensure channel productivity.
• Maintain enduring relationships with channel partners for consistent business flow.
• Interview customers to comprehend their financial needs and propose apt LAP solutions.
• Coordinate with credit, legal, and technical departments to accelerate the loan processing cycle and ensure a smooth customer journey from lead to disbursement.
• Perform initial customer profiling and evaluate eligibility criteria.
• Ensure thorough documentation and compliance with internal policies.
• Collaborate with credit teams to increase approval rates without compromising risk standards.
• Maintain loan portfolio quality by minimizing delinquencies and NPAs, and monitor early warning signs to support collection efforts if needed.
• Analyze competitor offerings, interest rate trends, and market developments to identify expansion opportunities in the designated geography.

Performance Metrics

• Loan disbursement volume (in INR)
• Number of files logged and approvals secured
• Ratio of self-sourced business
• Channel partner productivity
• Portfolio quality measured through delinquency and bounce rates
• Conversion rate from loan application (login) to disbursement

Additional Information

This role provides a competitive monthly salary up to 80,000 INR. Location is based in Kolkata, West Bengal, India. No explicit openings count or education qualifications are specified.