State Head Sales

,,Officers, the of Job Purpose:

To drive business growth for the Loan Against Property (LAP) vertical across the assigned region by leading a team, managing channel partners, and ensuring high productivity with quality sourcing and risk compliance.

Key Responsibilities:

• Business Development:

• Drive LAP business in the assigned region through direct channel and connectors
• Identify and onboard new sourcing partners and high-potential geographies.
• Monitor and achieve disbursal targets on a monthly and quarterly basis.

• Team Management:

• Lead and mentor a team of Area Sales Managers, Branch Sales Managers, Sales Managers and Relationship officers.
• Set goals, track performance, and provide ongoing coaching and support.

• Channel Management:

• Build and maintain strong relationships with connectors, and other vendors such as Legal, Technical and RCU.
• Ensure partner training, regular engagement and resolution of their queries.

• Credit & Risk Coordination:

• Liaise with credit and operations teams for smooth file processing.
• Ensure proper documentation and compliance with internal risk and underwriting guidelines.

• Market Intelligence & Strategy:

• Analyse competitor offerings and customer feedback to optimize pricing and product features.
• Suggest changes in sourcing strategy based on local market trends.

Desired Candidate Profile:

• Minimum 10 years experience in LAP sales, preferably in affordable housing or Micro/Rural LAP
• Strong knowledge of the LAP product, credit underwriting, and local market dynamics.
• Good team leadership and interpersonal skills.
• Ability to manage targets under pressure.
• Excellent communication and negotiation skills.

Educational Qualification:

• Graduate/Postgraduate in any discipline (MBA preferred).