Sales Manager - Near Prime Loan Against Property

About the Company

Home Credit B.V. is a multinational non-bank financial institution established in 1997 in the Czech Republic and headquartered in the Netherlands. It operates across nine countries, specializing in installment lending primarily targeting individuals with minimal or no prior credit history. By mid-2020, the Group had served over 135.4 million customers. The company’s majority shareholder is PPF, an international investment group with an 88.62% stake.

Job Responsibilities

• Achieve disbursement goals for affordable LAP products through both direct and partner-led sourcing channels.
• Develop and sustain strong relationships with DSAs, connectors, and channel partners to generate quality LAP business opportunities.
• Expand portfolio volume within designated regions while maintaining balanced channel and partner growth.
• Ensure high portfolio quality by sourcing creditworthy customers and complying with established credit policies.
• Monitor and manage the internal rate of return (IRR) on disbursed cases by driving an optimal product mix, favoring higher ticket LAP and affordable LAP to meet IRR objectives.
• Maintain or enhance channel productivity by ensuring sourcing partners achieve expected performance without sacrificing portfolio quality.
• Collaborate closely with Credit Managers to secure quicker loan approvals and improved approval rates.
• Perform thorough market analysis including competitor mapping and actively promote schemes to maintain competitive advantage in the LAP sector.
• If applicable, lead and mentor a small sales team focusing on sourcing quality and productivity.
• Support digital marketing efforts and lead generation initiatives targeting LAP products.

Required Skills and Competencies

• In-depth understanding of Prime LAP and mortgage loan products.
• Established professional network with DSAs, connectors, and real estate brokers.
• Effective communication and negotiation capabilities.
• Experience working collaboratively with cross-functional teams including credit, operations, and collections departments.
• Highly target-driven, self-motivated, and results-oriented mindset.

Eligibility and Educational Qualification

Applicants should hold a graduate degree from any recognized discipline.