Territory Sales Manager - LAP (Jaipur)

Home Credit

4 - 9 years

4 - 8 Lacs

jaipur

Posted:8 hours ago| Platform:

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Skills Required

team handling territory management loan against property sales territory sales management distribution management dealer management channel sales competition mapping revenue generation channel sales management mortgage loans dealer network

Work Mode

Work from Office

Job Type

Full Time

Job Description

Role Overview

affordable Loan Against Property (LAP)

Key Responsibilities

Drive
disbursement targets
for affordable LAP through direct and partner-led channels.
Build and manage relationships with
DSAs, connectors, and partners
to source quality LAP business.
Portfolio Growth
Drive disbursement volumes within the assigned territory while ensuring balanced growth across channels and partners.
Portfolio Quality
Maintain healthy asset quality by sourcing high-quality customers and ensuring adherence to credit policies.
IRR Management
– Monitor yield/IRR of disbursed cases; drive product mix (e.g., higher ticket LAP vs. affordable LAP) to achieve targeted IRR levels.
Channel Productivity
– Ensure sourcing partners/dealers maintain required productivity levels without diluting portfolio quality.
Work closely with the Credit Manager to ensure faster turnaround and better approval ratios.
Conduct regular
market mapping, competitor analysis, and scheme promotion
to stay ahead in the LAP segment.
Train, mentor, and manage a small sales team (if applicable) for productivity and quality sourcing.
Support
digital initiatives and lead generation campaigns
for LAP.

Key Skills & Competencies

Strong knowledge of
affordable LAP and mortgage products
.
Established network with
DSAs, connectors, and property brokers
.
Good communication and negotiation skills.
Ability to work with cross-functional teams (credit, operations, collections).
Target-driven and self-motivated.

Qualification & Experience

Graduate / Postgraduate, preferably in Business/Finance.
6-8 years of experience in
sales of secured lending products (LAP, home loans, mortgages)
.
Exposure to
affordable LAP customer segments
is preferred.

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