Sales Manager For Direct Home Loans / LAP / Micro LAP

Job Role:

Direct Channel

Open Locations:

Chennai / Madura /Coimbatore

Tiruvannamalai i /Vellore / Erode

Trichy / Hosur /Salem / Tirupur

Key Responsibilities:

1. Sales Planning & Execution

• Achieve monthly and annual disbursement & book size targets.
  
• Plan and execute sales activities considering local market dynamics, competition, and customer segments.
  
• Identify and source potential customers through field visits, references, and local networking.
  

2. Customer Acquisition & Relationship Management

• Acquire new customers (salaried & self-employed) for Home Loan / LAP / Micro LAP.
  
• Build and maintain long-term relationships with customers, builders, and channel partners.
  
• Understand customer needs and provide appropriate financial solutions.
  
• Ensure a seamless and satisfactory customer experience throughout the loan lifecycle.
  

3. Portfolio & Risk Management

• Pre-screen and assess credit quality of leads before submission.
  
• Coordinate with Risk and Operations teams for timely approval and disbursement.
  
• Monitor portfolio quality to minimize NPAs.
  
• Ensure adherence to all compliance, KYC, and documentation norms.
  

4. Market Intelligence & Reporting

• Track competitor products, pricing, and market trends.
  
• Provide regular updates and MIS reports on disbursements, NPAs, and target achievement.
  
• Identify new business opportunities and recommend strategies to improve market share.
  

5. Internal Coordination

• Work closely with Sales Manager, Area Head, and cross-functional teams (Risk, Operations, HR, IT).
  
• Participate in training programs and development initiatives to enhance product and process knowledge.
  

Key Challenges:

• Achieving high sales volume in a competitive and rate-sensitive market.
  
• Maintaining portfolio quality while meeting growth targets.
  
• Managing customer expectations and ensuring compliance simultaneously.
  
• Building relationships in a dynamic, field-based, and high-pressure environment.
  

Required Skills & Competencies:

• Strong communication and negotiation skills
  
• Commercial acumen & customer orientation
  
• Sound knowledge of HL / LAP / Micro LAP products
  
• Local market understanding and networking ability
  
• Process discipline and documentation accuracy
  

Eligibility Criteria:

• Education:

  Graduate (any stream)

• Experience:

• 12 years for Sales Officer
  
• 34 years for Sr. Sales Officer (BFSI / NBFC Home Loan / LAP sales preferred)
  

• Age:

  Below 33 years

• CIBIL Score:

  Minimum 650

• Gender:

  Male / Female both eligible

• Mandatory Requirements:

• Two-wheeler with valid driving license
  
• Prior field sales experience