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3.0 - 5.0 years
4 - 8 Lacs
mumbai suburban, mumbai (all areas)
Work from Office
Role & responsibilities : Review the Customer's Profile for Loan credit Worthiness. Visit in person for Verification. Analyze the credit worthiness and past track records of loans and repayments CIBIL Verification Maintain a detailed track report of clients Loan processing Attention to detail Preferred candidate profile 3-5 Yrs in Affordable housing segment HL/ LAP/ Mortgage Background (must) Ticket size of upto 1 Cr handling experience NBFC background only
Posted 4 days ago
1.0 - 5.0 years
1 - 2 Lacs
rohtak, rewari, bhiwani
Work from Office
RURAL BUSINESS: Individual Relationship Manager Mortgage: Identify potential customers and conduct cold calls to generate leads. Conduct site visits, verify KYC, and process loan applications. Meet monthly targets set by the organization. Minimum exp: 1 year of experience in Loan Against Property Qualification: Any Graduate Perks & Benefit Fixed Salary + Monthly incentive Mediclaim for self+ family
Posted 4 days ago
3.0 - 8.0 years
8 - 10 Lacs
tiruppur
Work from Office
In this profile you will manage High ticket business for LAP through a team driving DSA channel for your assigned territory. Exposure of working in the mentioned location is mandatory. Increase market share, develop strong relations with channels. Required Candidate profile Ideal candidate is one having minimum 4-10 yrs of experience in High ticket size LAP. Exposure in managing DSA driven channels. Experience in team handling is a must. Incentivized Profile
Posted 4 days ago
6.0 - 8.0 years
11 - 12 Lacs
chennai, coimbatore
Work from Office
Role & responsibilities To Handle the Team of BCMs/CPAs. Underwriting and Decision of Affordable Home loan/loan against property. Maintaining TAT as per Management Expectations by supervising team. To manage complete geography with team. Assessment of borrowers profiles, repayment capacity and income stability and cashflow assessment for unorganized structures. Understand and interpret results of financial analysis, banking analysis and bureau reports and Eligibility in line with Policy/Income Programmed. Study analysis and interpretation of legal & technical reports of property and should be understanding Legal and technical challenges associated with the Property of the specific geography which is being represented by Him/Her. Maintain the right quality of Portfolio & ensure the Delinquency numbers are with in control and maintain right balance between Return vis a vis Risk. Draft & Design the local policies to enable the organization for right mix of customers at desired yield. Preferred candidate profile Must be graduate Must have relevant Geography Knowledge of Pune Must have at least minimum of 6-8 Years experience Should be from NBFC/BFSI
Posted 4 days ago
1.0 - 6.0 years
2 - 3 Lacs
hyderabad
Remote
OpeningopeningsopeningsOpeningsopeningsopeningsopeningsOpeningsopeningsOpeningsOpeningsopenings10 OpeningsopeningsopeningsHere are some field sales gold loan job details for Bangalore and other parts of Karnataka: Job Openings: - Gold Loan Sales Executive: Various companies, including IDFC Bank and TVS Credit Services Ltd., have openings for sales executives to generate gold loan business and meet sales targets. - Relationship Manager - Gold Loan: Some companies require relationship managers to develop sourcing channels for generating leads and building relationships with clients. - Field Sales Executive: Luminite Services and other companies are hiring field sales executives with a salary range of 20,000 to 25,000 per month. Key Responsibilities: - Generating leads and meeting sales targets - Building and maintaining relationships with clients - Developing and implementing sales strategies - Negotiating loan terms and conditions with clients - Monitoring market trends and competitor activities Requirements: - Good communication skills in Kannada and English - Proven experience in sales, preferably in the financial sector - Strong understanding of financial products and services - Ability to work independently and as part of a team Salary and Incentives: - Salary range: 20,000 to 30,000 per month - Incentives: Performance-based incentives Locations: - Warangal 10 openngs - Vizag 10 opeopeningsnngs - Vijayawada 10 openings - Tirupati 10 Openng - Hyderabad 10 openngs Interested candiadcandidatestes can call for more details at 7871319890
Posted 4 days ago
1.0 - 6.0 years
2 - 3 Lacs
kochi
Remote
openingsOpeningsOpeningsopenings10 OpeningsopeningsopeningsHere are some field sales gold loan job details for Bangalore and other parts of Karnataka: Job Openings: - Gold Loan Sales Executive: Various companies, including IDFC Bank and TVS Credit Services Ltd., have openings for sales executives to generate gold loan business and meet sales targets. - Relationship Manager - Gold Loan: Some companies require relationship managers to develop sourcing channels for generating leads and building relationships with clients. - Field Sales Executive: Luminite Services and other companies are hiring field sales executives with a salary range of 20,000 to 25,000 per month. Key Responsibilities: - Generating leads and meeting sales targets - Building and maintaining relationships with clients - Developing and implementing sales strategies - Negotiating loan terms and conditions with clients - Monitoring market trends and competitor activities Requirements: - Good communication skills in Kannada and English - Proven experience in sales, preferably in the financial sector - Strong understanding of financial products and services - Ability to work independently and as part of a team Salary and Incentives: - Salary range: 20,000 to 30,000 per month - Incentives: Performance-based incentives Locations: - Trivendrum 10 openngs - Cochin 10 opeopeningsnngs - Palakkad 10 openings - Calicut 10 Openngs - Kottayam 10 openngs - Trichy 10 openings Interested candiadcandidatestes can call for more details at 7871319890
Posted 4 days ago
1.0 - 6.0 years
2 - 3 Lacs
chennai
Remote
10 OpeningsopeningsopeningsHere are some field sales gold loan job details for Bangalore and other parts of Karnataka: Job Openings: - Gold Loan Sales Executive: Various companies, including IDFC Bank and TVS Credit Services Ltd., have openings for sales executives to generate gold loan business and meet sales targets. - Relationship Manager - Gold Loan: Some companies require relationship managers to develop sourcing channels for generating leads and building relationships with clients. - Field Sales Executive: Luminite Services and other companies are hiring field sales executives with a salary range of 20,000 to 25,000 per month. Key Responsibilities: - Generating leads and meeting sales targets - Building and maintaining relationships with clients - Developing and implementing sales strategies - Negotiating loan terms and conditions with clients - Monitoring market trends and competitor activities Requirements: - Good communication skills in Kannada and English - Proven experience in sales, preferably in the financial sector - Strong understanding of financial products and services - Ability to work independently and as part of a team Salary and Incentives: - Salary range: 20,000 to 30,000 per month - Incentives: Performance-based incentives Locations: - Chennai 10 openngs - Greater Chennai 10 openngs - Coimbatore 10 openings - Madurai 10 Openngs - Sales 10 openngs - Trichy 10 openings - Erode 10 Openings -Tirunalveli 10 openings - Negerkoil 10 opening Interested candiadcandidatestes can call for more details at 7871319890
Posted 4 days ago
1.0 - 6.0 years
2 - 3 Lacs
salem, chennai, vellore
Hybrid
We are hiring for a Gold loan sales officer role for Chennai & Tamil Nadu. Job Openings: - Sales executives to generate gold loan business and meet sales targets. - Develop sourcing channels for generating leads and building relationships with clients. Key Responsibilities: - Generating leads and meeting sales targets - Building and maintaining relationships with clients - Developing and implementing sales strategies - Negotiating loan terms and conditions with clients - Monitoring market trends and competitor activities Requirements: - Good communication skills in Tamil & English - Proven experience in sales, preferably in the financial sector - Strong understanding of financial products and services - Ability to work independently and as part of a team Salary and Incentives: - Salary range: 20,000 to 30,000 per month - Incentives: Performance-based incentives Locations: - Chennai - 10 openings - Greater Chennai - 10 openings - Coimbatore - 10 openings - Vellore - 10 openings - Madurai - 10 Openings - Salem - 10 openings - Trichy - 10 openings - Erode - 10 Openings -Tirunelveli - 10 openings - Nagercoil - 10 openings Interested candidates can call for more details at - 7871319890
Posted 4 days ago
1.0 - 6.0 years
2 - 3 Lacs
bengaluru
Remote
Here are some field sales gold loan job details for Bangalore and other parts of Karnataka: Job Openings: - Gold Loan Sales Executive: Various companies, including IDFC Bank and TVS Credit Services Ltd., have openings for sales executives to generate gold loan business and meet sales targets. - Relationship Manager - Gold Loan: Some companies require relationship managers to develop sourcing channels for generating leads and building relationships with clients. - Field Sales Executive: Luminite Services and other companies are hiring field sales executives with a salary range of 20,000 to 25,000 per month. Key Responsibilities: - Generating leads and meeting sales targets - Building and maintaining relationships with clients - Developing and implementing sales strategies - Negotiating loan terms and conditions with clients - Monitoring market trends and competitor activities Requirements: - Good communication skills in Kannada and English - Proven experience in sales, preferably in the financial sector - Strong understanding of financial products and services - Ability to work independently and as part of a team Salary and Incentives: - Salary range: 20,000 to 30,000 per month - Incentives: Performance-based incentives Locations: - Bangalore - Mysore - Dharwad - Hubli - Hassan - Other parts of Karnataka Interested candiadtes can call for more details at 9343626260
Posted 4 days ago
1.0 - 6.0 years
2 - 3 Lacs
hassan, hubli, bengaluru
Hybrid
We Are Hiring a Gold Loan Job Officer ( Field) for Bangalore and other parts of Karnataka: Job Openings: - Gold Loan Sales Executive: Various companies, including IDFC Bank and TVS Credit Services Ltd., have openings for sales executives to generate gold loan business and meet sales targets. - Relationship Manager - Gold Loan: Some companies require relationship managers to develop sourcing channels for generating leads and building relationships with clients. - Field Sales Executive: Luminate Services and other companies are hiring field sales executives with a salary range of 20,000 to 30,000 per month. Key Responsibilities: - Generating leads and meeting sales targets - Building and maintaining relationships with clients - Developing and implementing sales strategies - Negotiating loan terms and conditions with clients - Monitoring market trends and competitor activities Requirements: - Good communication skills in Kannada and English - Proven experience in sales, preferably in the financial sector - Strong understanding of financial products and services - Ability to work independently and as part of a team Salary and Incentives: - Salary range: 20,000 to 30,000 per month - Incentives: Performance-based incentives Locations: - Bangalore - Mysore - Dharwad - Hubli - Hassan - Other parts of Karnataka Interested candidates can call for more details at 9019011101
Posted 4 days ago
0.0 - 5.0 years
2 - 3 Lacs
rohtak, hisar, karnal
Work from Office
Purpose: Will be responsible for meeting targets, identify new sources from assigned geography, and maintain good relationship with sources, achieving efficiency of assigned geography and sources there by achieving the desired productivity expected by the company. Job description: 1. Area/ Geography Mapping. Responsible for lane to lane/ Area mapping of Area/ Geography at regular intervals with the help of supervisor. Identify new sources in the allocated Area/ Geography and inform the progress to reporting manager during team huddle. Knowledge, Skills & Functional Competency Knowledge of the entire geography. Ability to plan and map the allocated geography into areas/lane to lane. Ability to use tools and resources to identify potential sources. 2. Source Relationship Management. Responsible for managing the relationship with all sources assigned and identified by him in his geography/area. Knowledge Skills & Functional Competency Ability to understand the potential and ensure the expected LSR, SLR and MS of the source. Knowledge and ability to use various tools which can be utilized to improve relationship and ratios. 3. Maintain Reports Responsible for maintaining reports related to sales and all his activities in the prescribed format. Should maintain diary on daily basis in the prescribed format of activities. Knowledge, Skills & Functional Competency Knowledge of various reports to be maintained Ability to capture data in the prescribed format Ability to understand and perform all functions of diary 4. Channel Partner Recruitment Responsible for identification of channel partners Knowledge, Skills & Functional Competency Knowledge of BSA empanelment process. Ability to identify the potential channel partner Ability to identify whether the BSA falls within the norms and category defined. 5. Team Huddle Responsible for attending team huddle on a daily basis as per the set process Knowledge, Skills & Functional Competency Knowledge of daily morning huddle process Ability to provide data in the prescribed format based on business requirements. 6. Customer Relationship Management Responsible for enhancing the customer experience by developing and maintaining relationship with customers Knowledge, Skills & Functional Competency Knowledge of all products of HDFC and competition Ability to sell products and provide required services to customers Knowledge of KYC documentation Knowledge of legal documentation and technical process Knowledge and ability to use sales kit Ability to analyse credit document and derive eligibility Ability to handle objections Qualification - Graduation / Post Graduation (Any Stream)Preferred candidates :- At least 6 months HL or BFSI experience or 1 year experience in any sales; freshers female candidates can be are considered (vehicle is exceptional for female candidates). Qualification - Graduation / Post Graduation (Any Stream) If interested please share your CV to anmolptomar@hdfcsales.com Note - This is a sales role which requires field work and two wheeler & DL is mandatory.
Posted 5 days ago
1.0 - 5.0 years
2 - 3 Lacs
tirunelveli
Work from Office
Job description JOB DESCRIPTION : Responsible for Sales and Collections (Up to 6 MOB Cases) in the assigned Area/Hub.1. PRINCIPAL ACCOUNTABILITIES: Sourcing business through Existing Customers / Open Market / BT / Top-Ups Verifying KYC & Property Documents Field Verification (Property / Business) Co-ordinate with internal departments (Operations, Credit and Legal Technical) till disbursement. Achieving Monthly Login and Disbursal Targets Ensure adherence to all processes, compliance & policies. 2. SKILLS AND KNOWLEDGE Effective Communication Problem Solving Customer Service Ability to work in a target-oriented environment. 3. EDUCATIONAL QUALIFICATION: Any graduate 4. EXPERIENCE Freshers & relevant experience in the LAP / HL Sales domain with Banks or NBFCs only. Experience in handling multiple stakeholders (Credit / Legal / Ops / Technical / Customer etc) Proven track record of meeting sales targets. Interested candidates send your resume to WhatsApp 9611483830 or mail to ageo@ltfs.com
Posted 5 days ago
2.0 - 5.0 years
4 - 6 Lacs
madurai, tamil nadu, india
On-site
Undertake new client acquisition and manage their retention, ensuring growth in business volumes Develop the mortgage lending business at the ground level by acquiring new clients and gaining repeat business and references from existing clients Carry out regular meetings and sales calls with prospective clients from the real estate sector on a daily basis to source business Ensure acquisition of the right profile of customers by sourcing customers based on relevant surrogates as per the segmentation norms Provide inputs to the regional head on competitor activity and new market developments in the local area Undertake cross-selling and up-selling of various financial services products and loans to increase fee and other income Actively participate in initiatives and contests driven by Business Development teams E nsure effective channel management at the local level, interacting with customers and influencers to grow the mortgage lending business Conduct meetings with real estate agents, home builders, real estate developers, attorneys, professional organizations, bankers, direct sales associate, channel partners etc in the real estate sector in the designated area of operations to source new business opportunities Ensure on-boarding of the DSAs, DSTs, Brokers and other channel partners Ensure timely payouts and resolution of queries raised by channel partners Ensure high levels of customer satisfaction by understanding and addressing customer needs and issues on a continuous basis Retain and manage existing client relationships through faster TAT & effective client servicing Periodically review client requirements and monitor the relationship from initiation to closure; provide necessary feedback to the head office Ensure that client promises are kept and their grievances are adequately addressed and escalated to senior management where necessary Follow the standardized sales process and documentation norms for quick and compliant closure of clients requests Ensure compliance with policies and processes, providing all relevant documentation and support to the Risk & Operations teams Ensure compliance with all critical procedures and processes, both internally as well as externally (regulatory) defined Ensure the collection and submission of accurate documentation required for credit analysis Coordinate with the credit risk team for pre- and post-sanction activities such as execution of documentation and sanction of loan proposals Coordinate with the operations team for pre- and post-sanction activities such as disbursements and handling of deviations during the credit life cycle Ensure compliance with the risk and credit lending norms in referring loans for new customers and extending loans for current customers; monitor and support the collections team in recovery of NPAs Coordinate with market intermediaries like banks and distributors for smooth operations Maintain MIS data at a local level, generating reports to ensure better risk management and customer service and communicating these to senior management Send detailed periodic activity and sales reports to the reporting manager, ensuring updation of MIS databases related to case status and issues Monitor PDDs and subsequent collection and submission to the risk or operations teams Undertake Approved Project Funding (APF) and Approved Disbursement Funding (ADF) activities for faster and smoother penetration in the segment, monitor such projects for progress, sales and other relevant Monitor the status of non-starter cases and coordinate subsequent efforts for the recovery of the dues Closely monitor delinquent cases and take all necessary steps to achieve collection of dues
Posted 5 days ago
1.0 - 6.0 years
2 - 4 Lacs
chennai, tamil nadu, india
On-site
Manage relationships with existing customers to ensure timely payment of loans and minimize defaults. Identify new business opportunities through lead generation, referrals, and networking. Conduct field visits to assess customer creditworthiness and verify collateral valuation for secured loan products (LAP, Personal Loans). Develop strong understanding of various loan products such as LAP Loans, Personal Loans, Secured Loans against property. Collaborate with internal teams to resolve customer queries and issues related to loan disbursement. Desired Candidate Profile 1-6 years of experience in sales or relationship management in the banking industry. Strong knowledge of loan sales processes including documentation procedures. Ability to work independently with minimal supervision while meeting targets set by the organization. Excellent communication skills with ability to build rapport with customers at all levels.
Posted 5 days ago
2.0 - 7.0 years
2 - 8 Lacs
cuttack, odisha (orissa), india
On-site
Role & responsibilities As the debt arm of Aditya Birla Financial Services Group (ABFSG), Aditya Birla Finance Limited (ABFL) offers specialized lending and financing solutions in the areas of Capital Markets, Corporate/ Trade Finance, Commercial Real Estate and Mortgages. Currently ranked within the top 25 NBFCs of India, we have made significant progress and our balance sheet at INR 15,000 Cr plus exceeds that of several mid-sized Banks and NBFCs. A well established brand and top 3 player in the Capital Markets space, today our product suite comprises of a well- diversified look, with equal weightage and focus given to the 3 lines of business. Having seen a y.o.y cumulative growth of 50% in both top-line and bottom line, sustainable profitability continues to be the key management agenda. The company has a well-defined vision of being one of the most reputed and material financiers within the lending space spread across both retail HNI and corporate clientele. We have made significant investments in our process and system infrastructure towards preparing for the next level of growth and are one of the only financial entities certified for ISO 9001:2008 across all our business processes. Spread across 18 cities, we plan on further diversifying our risk and revenue mix through expansion into new geographies and new product segments allowing our customers a one-window shop for all their financing needs. Preferred candidate profile Mortgage lending encompasses a wide variety of financing solutions for clients, ranging from vanilla Home Loans and Loan against property, to more complex Lease Rental discounting, Commercial Purchase and Construction Finance lending. Financing solutions are provided to Self-Employed [professionals/ non-professionals/ salaried] against a wide array of lending programs, each of which aims to estimate the clients repayment capability accurately before the company to take an exposure. The lending program requires assessing clients on various dimensions, including income, repayment behaviour, stability of income/ residence, profile, collateral [valuation, marketability], ownership structure of business and the property and many others. Loan approvals entail a good mix of profile checks, balance sheet lending and collateral assessment. An in-depth understanding of the customers business model, customers & suppliers, success factors and dependencies needs to be taken into account given these are long term exposures [ranging upto 15 20 years]. The financials are assessed to understand the repayment capability in the near and long term. Collateral assessment is another complex part of the underwriting process involving checking the structural stability, marketability, valuation, regulatory / local body compliance and legal veracity all to ensure the property can be liquidated to repay the loan if required in case of customer default. Lending is often structured to meet the client needs by deriving comfort through the hard collateral [can be a ready or under-construction property / project] and cash flows [in form of rentals, or project cash-flows both against sold/ unsold receivables]. In construction finance, underwriting focuses not on the balance sheet but significantly on the project and the promoter group. Assessment here involves understanding the previous track record of the builder in terms of quality and timeliness of completion, saleability of projects, track record with other lenders and no. of projects delivered in the past. Project monitoring and end use of funds disbursed are critical here given risks around funds being used elsewhere, sale receivables not coming to the lender as a repayment and so on. Prudent customer selection is critical and is highly dependent on a relationship manager's market awareness and client background information. Being one of the most preferred asset classes in the lending space today lends this business the immense challenge of competing with all FIs / banks in a highly price sensitive target segment. The main challenges faced by this profile include keeping abreast of the latest market scenario, converting a potential lead into a client against competition by a thorough understanding of the client requirement and effective selling skills. The critical skill sets that this profile requires are communication, negotiation skills, high customer & target orientation, a strong local network & ability to perform in a team. The education & experience required to fulfil this profile are a Graduate/ Post-Graduate or an MBA with minimum 3-5 yrs of experience in the Mortgage lending division or Home loans division of a Bank/ NBFC
Posted 5 days ago
1.0 - 6.0 years
3 - 5 Lacs
ongole, andhra pradesh, india
On-site
Job Purpose: To acquire new customers for Loan Against Property (LAP), maintain strong relationships with existing clients, and ensure high levels of customer satisfaction while meeting assigned sales targets. Key Responsibilities: Identify and source customers interested in Loan Against Property through various channels Open Market Go and meet coustamers directy Assess customer needs and explain LAP product features, benefits, eligibility, and documentation requirements. Achieve monthly and quarterly LAP disbursal targets. Coordinate with credit, operations, and legal teams for smooth loan processing and disbursal. Ensure compliance with internal policies, RBI guidelines, and documentation standards. Regularly follow up with customers for queries, renewals, or additional funding needs. Key Skills & Competencies: Strong knowledge of LAP products and market trends. Excellent communication, negotiation, and relationship-building skills. Ability to manage fieldwork and independently close deals. Familiarity with credit underwriting processes and legal documentation. Qualifications: Any Undergradute 1 TO 3 years of experience in LAP or secured lending preferred.
Posted 5 days ago
1.0 - 6.0 years
3 - 5 Lacs
bhubaneswar, odisha, india
On-site
Job Purpose: To acquire new customers for Loan Against Property (LAP), maintain strong relationships with existing clients, and ensure high levels of customer satisfaction while meeting assigned sales targets. Key Responsibilities: Identify and source customers interested in Loan Against Property through various channels Open Market Go and meet coustamers directy Assess customer needs and explain LAP product features, benefits, eligibility, and documentation requirements. Achieve monthly and quarterly LAP disbursal targets. Coordinate with credit, operations, and legal teams for smooth loan processing and disbursal. Ensure compliance with internal policies, RBI guidelines, and documentation standards. Regularly follow up with customers for queries, renewals, or additional funding needs. Key Skills & Competencies: Strong knowledge of LAP products and market trends. Excellent communication, negotiation, and relationship-building skills. Ability to manage fieldwork and independently close deals. Familiarity with credit underwriting processes and legal documentation. Qualifications: Any Undergradute 1 TO 3 years of experience in LAP or secured lending preferred.
Posted 5 days ago
2.0 - 7.0 years
2 - 8 Lacs
bengaluru, karnataka, india
On-site
Role & responsibilities As the debt arm of Aditya Birla Financial Services Group (ABFSG), Aditya Birla Finance Limited (ABFL) offers specialized lending and financing solutions in the areas of Capital Markets, Corporate/ Trade Finance, Commercial Real Estate and Mortgages. Currently ranked within the top 25 NBFCs of India, we have made significant progress and our balance sheet at INR 15,000 Cr plus exceeds that of several mid-sized Banks and NBFCs. A well established brand and top 3 player in the Capital Markets space, today our product suite comprises of a well- diversified look, with equal weightage and focus given to the 3 lines of business. Having seen a y.o.y cumulative growth of 50% in both top-line and bottom line, sustainable profitability continues to be the key management agenda. The company has a well-defined vision of being one of the most reputed and material financiers within the lending space spread across both retail HNI and corporate clientele. We have made significant investments in our process and system infrastructure towards preparing for the next level of growth and are one of the only financial entities certified for ISO 9001:2008 across all our business processes. Spread across 18 cities, we plan on further diversifying our risk and revenue mix through expansion into new geographies and new product segments allowing our customers a one-window shop for all their financing needs. Preferred candidate profile Mortgage lending encompasses a wide variety of financing solutions for clients, ranging from vanilla Home Loans and Loan against property, to more complex Lease Rental discounting, Commercial Purchase and Construction Finance lending. Financing solutions are provided to Self-Employed [professionals/ non-professionals/ salaried] against a wide array of lending programs, each of which aims to estimate the clients repayment capability accurately before the company to take an exposure. The lending program requires assessing clients on various dimensions, including income, repayment behaviour, stability of income/ residence, profile, collateral [valuation, marketability], ownership structure of business and the property and many others. Loan approvals entail a good mix of profile checks, balance sheet lending and collateral assessment. An in-depth understanding of the customers business model, customers & suppliers, success factors and dependencies needs to be taken into account given these are long term exposures [ranging upto 15 20 years]. The financials are assessed to understand the repayment capability in the near and long term. Collateral assessment is another complex part of the underwriting process involving checking the structural stability, marketability, valuation, regulatory / local body compliance and legal veracity all to ensure the property can be liquidated to repay the loan if required in case of customer default. Lending is often structured to meet the client needs by deriving comfort through the hard collateral [can be a ready or under-construction property / project] and cash flows [in form of rentals, or project cash-flows both against sold/ unsold receivables]. In construction finance, underwriting focuses not on the balance sheet but significantly on the project and the promoter group. Assessment here involves understanding the previous track record of the builder in terms of quality and timeliness of completion, saleability of projects, track record with other lenders and no. of projects delivered in the past. Project monitoring and end use of funds disbursed are critical here given risks around funds being used elsewhere, sale receivables not coming to the lender as a repayment and so on. Prudent customer selection is critical and is highly dependent on a relationship manager's market awareness and client background information. Being one of the most preferred asset classes in the lending space today lends this business the immense challenge of competing with all FIs / banks in a highly price sensitive target segment. The main challenges faced by this profile include keeping abreast of the latest market scenario, converting a potential lead into a client against competition by a thorough understanding of the client requirement and effective selling skills. The critical skill sets that this profile requires are communication, negotiation skills, high customer & target orientation, a strong local network & ability to perform in a team. The education & experience required to fulfil this profile are a Graduate/ Post-Graduate or an MBA with minimum 3-5 yrs of experience in the Mortgage lending division or Home loans division of a Bank/ NBFC
Posted 5 days ago
2.0 - 5.0 years
2 - 5 Lacs
bhubaneswar, odisha, india
On-site
Role & responsibilities Responsible for driving mortgage business. Preferred candidate profile Candidate must have 2 Years of sales experience in mortgage or Home Loan sales. Role : Loan Officer Industry Type : NBFC Department : BFSI, Investments & Trading Employment Type : Full Time, Permanent Role Category : Lending Education UG: Any Graduate
Posted 5 days ago
10.0 - 18.0 years
9 - 18 Lacs
gurgaon, haryana, india
On-site
Key Deliverables: Launch and scale small-ticket LAP business across 2530 cities Drive GTM strategy and channel expansion including DSAs and digital avenues Own P&L and ensure risk-adjusted portfolio performance Build and implement risk, credit, and underwriting frameworks for informal borrowers Role Responsibilities: Lead end-to-end LAP business operations across cross-functional teams Manage sourcing, channel governance, and co-lending partnerships Optimize credit processes to improve TAT, approvals, and customer experience Represent LAP strategy in leadership forums and align with CXOs
Posted 5 days ago
3.0 - 8.0 years
8 - 10 Lacs
bengaluru
Work from Office
In this profile you will manage High ticket business for LAP through a team driving DSA channel for your assigned territory. Exposure of working in the mentioned location is mandatory. Increase market share, develop strong relations with channels. Required Candidate profile Ideal candidate is one having minimum 4-10 yrs of experience in High ticket size LAP. Exposure in managing DSA driven channels. Experience in team handling is a must. Incentivized Profile
Posted 5 days ago
1.0 - 6.0 years
3 - 3 Lacs
puducherry, chennai, vellore
Work from Office
Roles and Responsibilities * Identify and acquire new clients for home loan products, ensuring targets are met or exceeded. * Develop strong relationships with existing clients to ensure timely repayment of loans and cross-sell additional services. * Conduct thorough assessments of client creditworthiness and provide personalized loan solutions. Desired Candidate Profile * 1-6 years of experience in housing finance, home loans, HL, mortgage loans, loan against property, affordable housing, property loan, secured loan, housing loan sales or mortgage sales. * Strong understanding of the local market trends and regulations governing home loans. Interested candidates can share their updated profiles to maruthu.pandianp@piramal.com CCTC: ECTC: EXP: Location:
Posted 5 days ago
0.0 - 5.0 years
1 - 4 Lacs
baghpat
Work from Office
Role & responsibilities Will be responsible for sourcing business from eligible customer profile as per organization policy. Identification of right customer, ability to understand customers need, explain various products and convince them about the product offerings Should be able to manage overall responsibilities including identifying new business markets and recording customer requirements Resolving Customer issues and queries Maintaining customer relationship and cross selling to existing customers
Posted 5 days ago
3.0 - 8.0 years
8 - 10 Lacs
guntur
Work from Office
In this profile you will manage High ticket business for LAP through a team driving DSA channel for your assigned territory. Exposure of working in the mentioned location is mandatory. Increase market share, develop strong relations with channels. Required Candidate profile Ideal candidate is one having minimum 4-10 yrs of experience in High ticket size LAP. Exposure in managing DSA driven channels. Experience in team handling is a must. Incentivized Profile
Posted 5 days ago
1.0 - 6.0 years
0 - 0 Lacs
bangalore
On-site
Job Title: Deputy Sales Manager Secured Loan Sales (HL/LAP/Mortgage) Location: Residency Road, Bangalore Contact: Udit Tiwari | WhatsApp: +91 77258 14751 | Email: Job Description: We are looking for a Deputy Sales Manager with proven experience in secured loan sales, including Home Loans (HL), Loan Against Property (LAP), and Mortgage Loans , to join our Bangalore team. Key Responsibilities: Generate, source, and convert leads for secured loan products (HL, LAP, Mortgage). Drive business through direct sales, channel partners, and DSAs . Ensure achievement of monthly and quarterly sales targets. Build and maintain strong customer and partner relationships for sustained business growth. Coordinate with credit, operations, and other internal teams for smooth loan processing. Stay updated on market trends, competitor activities, and policy changes. Candidate Requirements: Experience: 26 years in secured loan sales (HL/LAP/Mortgage). Age: Up to 34 years. Gender: Male candidates only. CIBIL Score: Minimum 720. Strong sales acumen, negotiation skills, and target-oriented approach. Must be based in Bangalore or willing to relocate. Salary & Benefits: Salary as per market standards (based on experience & current CTC). Attractive incentives & performance-linked bonuses. Career growth opportunities in a professional work environment. How to Apply: Interested candidates can directly reach out to Udit Tiwari via: WhatsApp: +91 77258 14751 Email:
Posted 5 days ago
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