Sales Manger - Prime LAP

Role & responsibilities

Core Job Role

• Drive acquisition of

  high-ticket Loan Against Property (LAP) customers

  (1 Cr and above).
• Manage end-to-end sales cycle from lead generation to disbursement.
• Build strong relationships with

  HNI clients, corporates, and affluent individuals

  .
• Ensure compliance with credit policies and regulatory guidelines.

Detailed Responsibilities

1. Business Development & Acquisition

• Source new LAP business through direct channels, referrals, and open market.
• Identify and target high-value customers requiring structured property-backed loans.
• Develop strategies to penetrate premium customer segments.

2. Client Relationship Management

• Engage with HNI clients to understand financing needs.
• Provide customized solutions and negotiate terms to suit client requirements.
• Maintain long-term relationships to encourage repeat business and cross-sell other financial products.

3. Credit & Documentation

• Ensure accurate documentation and verification of property and financial records.
• Liaise with credit and risk teams for smooth sanctioning of high-value loans.
• Maintain compliance with RBI and internal audit standards.

4. Target Achievement

• Achieve monthly and quarterly disbursement targets for Prime LAP.
• Track conversion ratios and improve sanction-to-disbursement efficiency.

5. Market Intelligence

• Monitor competitor offerings in the high-value LAP segment.
• Provide feedback to product and policy teams for continuous improvement.

6. Reporting & MIS

• Prepare regular reports on acquisition numbers, pipeline status, and disbursement performance.
• Share insights with senior management for strategic decision-making.

Skills & Qualifications

• Strong experience in

  retail lending / LAP sales

  (preferably in high-ticket segment).
• Excellent communication and negotiation skills for dealing with HNI clients.
• Knowledge of property valuation, credit assessment, and loan structuring.
• Target-driven mindset with ability to work independently.
• Graduate/Postgraduate in any discipline; MBA preferred.

Sales Manager Prime LAP (1 Cr+) individual role focuses on acquiring and managing high-value property-backed loans, building strong HNI relationships, and ensuring compliance while achieving disbursement targets.