Sales Manager - Affordable HL & LAP - South ( AP & TS )

Credit Saison India

Job Title: Sales Manager – Affordable LAP & Home Loans

Department: Affordable LAP and Affordable HL

Reports To: Area Sales Manager

Employment Type: Full-Time

Job Summary

We are looking for a dynamic and experienced Sales Manager to lead a team of

Relationship Officers in sourcing Affordable Loan Against Property (LAP) and

Affordable Home Loan applications. The ideal candidate will be responsible for driving

sales through self-sourcing initiatives and building a robust connector network.This

role requires strong leadership, in-depth knowledge of the affordable lending space, and a

results-oriented mindset.

Key Responsibilities

Team Leadership & Performance Management:

 Recruit, train, and manage a team of Relationship Officers focused on sourcing

Affordable LAP and Affordable Home Loans.

 Set clear sales targets for the team and drive performance to meet or exceed

monthly and quarterly disbursal goals.

 Monitor team activity, guide field efforts, and ensure high productivity and efficiency.

Sales & Business Development

 Drive new loan origination through both direct customer engagement and by

expanding the connector ecosystem.

 Develop and execute local sales strategies to penetrate target markets within the

affordable segment (self-employed and salaried customers).

 Continuously identify new market opportunities and geographic segments for loan

sourcing.

Connector & Channel Development

 Build, onboard, and maintain strong relationships with conenctors, referral agents,

property dealers, and other intermediaries.

 Ensure connectors are well-trained, motivated, and aligned with company

compliance and documentation standards.

Process Management & Coordination

 Ensure smooth end-to-end processing of loan files — from lead generation to

documentation, credit processing, and disbursal.

 Work closely with internal credit, operations, and risk teams to resolve bottlenecks

and fast-track eligible applications.

Compliance & Reporting

 Monitor portfolio quality, ensure credit discipline, and adherence to all regulatory and

company policies.

 Maintain regular MIS and reporting on team performance, disbursal trends, lead

funnel, and connector activity.

Qualifications And Skills

 Bachelor’s degree (MBA preferred) in Business, Finance, Marketing, or a related

field.

 4–8 years of experience in retail lending, preferably in Affordable LAP or Home

Loans.

 Minimum 2 years of experience in leading a field sales team.

 Strong understanding of the affordable housing finance and LAP market, especially

customer segments like self-employed, informal income groups, etc.

 Strong understanding of Legal and technical aspects of mortgage loans

 Proven ability to manage sales targets, team KPIs, and channel relationships.

 Excellent leadership, communication, negotiation, and interpersonal skills.

 Willingness to travel extensively within the assigned territory.

Key Performance Indicators (KPIs)

 Loan disbursal volume and value (Affordable LAP and Home Loans).

 Team productivity (individual and overall RO performance).

 Connector activation and business contribution.

 Portfolio quality (delinquency and rejection rates).

 Lead-to-disbursal conversion ratios.

Compensation

 Competitive fixed salary

 Team-based and individual performance-linked incentives

 Travel and field allowances as per company policy

Level

L2-A - (L2)

Grade

b

Qualifications

Any Graduates

Any Graduates