Cluster Manager HL LAP Pune

Job Description

Job Title: Cluster Manager Home Loans / LAP Location: Pune Department: Sales & Business Development Reporting To: Zonal Sales Manager / Regional Business Head Employment Type: Full Time Key Responsibilities: ••• Team Leadership & People Management • Manage and mentor a team of Branch Managers, Sales Officers, and Relationship Executives. • Drive a performance-oriented culture through regular coaching, reviews, and field visits. • Ensure adequate manpower, training, and development across the cluster. Sales & Business Development • Own disbursement targets for Home Loans and Loan Against Property (LAP) within the cluster. • Ensure consistent lead generation, conversion, and customer acquisition across channels (DSA, direct, digital). • Conduct market analysis and identify growth opportunities. • Operations & Process Compliance • Ensure timely login, approval, and disbursement of loan files with complete documentation. • Monitor application TATs and coordinate with credit, operations, and technical teams. • Drive adherence to SOPs and process hygiene across branches. Portfolio & Risk Management • Track and maintain healthy asset quality and minimal delinquencies. • Collaborate with the collections team to recover overdue accounts and manage NPAs. • Ensure adherence to credit norms and risk assessment policies. Reporting & Coordination • Submit daily, weekly, and monthly sales reports, funnel updates, and productivity trackers. • Liaise with zonal teams, product teams, and head office for business updates and escalations. • Ensure audit readiness and compliance with all internal and regulatory guidelines. Qualifications: • Graduation in any discipline (MBA/PG in Sales or Finance preferred) • 610 years of experience in Home Loan / LAP / Retail Lending • Prior experience in managing multi-branch/territory-level sales teams Key Skills Required: • Team leadership and stakeholder management • Strong understanding of HL/LAP products and credit processes • Customer-centric and result-oriented approach • Proficiency in MS Excel, CRM tools, and field reporting systems • Ability to travel across assigned region frequently