Locations : Neyatinkara Palakkad Calicut Vadakara Malappuram Alleppey Thiruvalla - KERELA

Job Purpose Statement

- To manage the assigned area efficiently and effectively w.r.t. sales promotions & business activities. Achieve the business targets by ensuring adequate demand generation and good quality of loans.

Duties and Responsibilities

- Develop and generate business for assigned area

- Train & guide team on selling techniques, business processes and credit parameters

- Monitor & track team performance

- Conduct field visits for customer meetings, field investigations / other checks, relationship development and market mapping

- Follow up & ensure credit approval from the concerned authority for files submitted

- Collections / Recovery of assigned portfolio

- Ensuring complete documentation, stamping and formalities related to pre / post disbursement

- Complete control of NPA and overdue cases and their overall reduction to set targets

- Abreast with the competitor's practices and market activities / preferences and recommend future strategies

- Conducting various marketing initiatives in assigned area

- Customer service - Attending to customer enquiries / grievances on a timely basis

Key Challenges

- Identifying the relevant customer segment & planning sales activities targeted to this segment

- Providing adequate number of good leads to sales team for closure

- Converting tough leads into actual business by selling the rate, fees & loan amount

- Converting sanctioned cases to disbursement

- Retention of employees

- Maintaining collaboration among teams

- Decision making authority

- Preparing sales plan for assigned area Assigning individual leads to sales executives.

- Managing the Sanctioned Undisbursed Portfolio.

Job Requirements

Education

Graduate / Post Graduate / MBA with knowledge of Housing Finance

Products, NBFC Products

Work Experience(in Years)

4-8 yrs in Home Loans only 

List of Applicable Skills

1. Selling

2. Credit understanding

3. Networking/ relationship building

4. Communication

5. Result orientation

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