Sales Manager - LAP (Loan against Property)

Key Performance Indicators

Business and Financial Management

• Achievement in Volume against the target on monthly basis
• Ensuring healthy portfolio quality by ensuring timely repayment, collections.
• Ensuring delinquency within the threshold level
• Insurance Attachment as per policy

Customer Focus

• Focus on Enterprises/Small Businesses (Non Salaried, Non Direct Agri)
• Customer engagement for document completion
• Attending customer queries & resolution in TAT

People / Team

• Actively co-ordinate with the Risk, Ops, Legal and Valuers for the closure within time frame.
• Co-ordinate with the concerned teams to ensure closure on disbursal.

Process / Quality Improvement

• Adherence to Company process on sourcing, disbursement, collection

Tasks Performed

Sourcing Customers:

• Responsible for sourcing target customers (Enterprise) in the branch catchment area.
• Cold calling, generation of leads, attending to prospects and logging in the file with necessary documents like KYC etc
• Market penetration through direct/indirect marketing activities
• Empanelling DSAs, generating business through DSA network with relationship management as per Sourcing Policy of the company released time to time.

Disbursement:

• Coordinating with Risk Team for PD, facilitating additional documents/information if any.
• Ability to present and discuss the case with sanction authority
• Necessary inputs to the appraisal as and when required
• Documentation, coordinating with customers for mortgage and Ops for timely disbursement activities
• Ensuring post disbursement compliance as per stipulated time.

Collection:

• Ensuring timely repayment from the customers
• Ensuring portfolio quality by following up with delinquent customers.

Preferred candidate:

Graduated and should have minimum 3-9 years of experience in Mortgage loans

Sumedh.Bhaskar@smfgindia.com