Area Sales Manager

Job Title: Area Sales Manager Affordable Home Loans

Location: Bangalore , Mumbai, Pune

Department: Sales Home Loans

Reports To: Regional Sales Manager / Zonal Head

Experience Required: 58 years in Home Loan Sales (preferably in Affordable Housing segment)

Job Purpose:

To drive and manage sales activities for affordable home loan products within a defined geographical area. The ASM will lead a team of sales officers, ensure achievement of business targets, maintain relationships with channel partners, and ensure customer satisfaction.

Key Responsibilities:

1. Business Development:

• Generate business for

  affordable home loan

  products through

  DSAs, connectors, builders

  , and

  direct sourcing

  .
• Identify and tap new markets, geographies, and customer segments.
• Develop strategic plans to increase business volumes in line with organizational targets.

2. Team Management:

• Recruit, train, and lead a team of

  Sales Officers

  / Executives.
• Monitor team performance against KPIs and provide guidance and motivation.
• Conduct regular field visits and ensure team productivity.

3. Channel & Partner Management:

• Build and maintain strong relationships with

  DSAs, builders, and real estate agents

  .
• Ensure timely payouts and resolution of issues to retain channel loyalty.

4. Credit & Risk Coordination:

• Coordinate with the credit team for smooth processing of files.
• Ensure quality sourcing by pre-screening applications to reduce rejection and delinquency rates.

5. Compliance & Documentation:

• Ensure that all applications comply with

  company policies, credit norms

  , and

  regulatory guidelines

  .
• Supervise documentation and disbursal process.

6. Market Intelligence:

• Keep track of competitor activities, pricing, and market trends.
• Provide feedback to management for pricing and product enhancements.

Key Requirements:

• Education:

  Graduate/MBA (preferred)

• Experience:

  5+ years in

  home loan / affordable housing finance

  ; minimum 2 years in a team-leading role.

• Knowledge:

  Local market knowledge, understanding of credit appraisal for salaried and self-employed customers.

• Skills:

• Leadership & team management
• Relationship building
• Sales planning & execution
• Excellent communication & negotiation