Manager - Home Loan - Hyderabad

Note:

We are looking for pure home loan sales experience, credit and operations candidate do not apply.

Irrelevant profile will be blocked for future opening also.

Role purpose: Drive housing loan business through sourcing, partner management, customer engagement, and disciplined execution while ensuring compliance and portfolio quality.

1. Business Development (Sourcing & Sales)

• Achieve assigned targets for Home Loan and Loan Against Property (LAP) products.

• Source business through direct channels, builders, connectors and DSAs.

• Identify new catchments, micro-markets, and lead generators to build a healthy pipeline.

• Drive revenue growth through optimum product mix, pricing discipline, and cross-sell/referrals.

Key measures (KPIs): Monthly disbursement/booking target; login-to-sanction and sanction-to-disbursement conversion; active lead pipeline; sourcing mix by channel.

2. Builder & Channel Partner Management

• Develop and maintain strong relationships with builders, developers, and channel partners.

• Identify, evaluate, and onboard new builder projects/DSAs for sustained sourcing.

• Act as the single point of contact for partners; ensure timely resolution of queries and smooth customer experience.

• Run engagement activities (site visits, joint campaigns, meet-ups) to maintain continuous business flow.

Key measures (KPIs): Active partners; partner-wise disbursement; repeat business rate; productivity per DSA/builder; partner satisfaction/issue closure TAT.

3. Project Approval & Internal Coordination

• Coordinate with credit, legal and technical teams for project approvals and exception closures.

• Ensure complete documentation, due diligence and timely submission of required reports.

• Maintain and regularly update the tracker for approved projects, renewals, and pipeline proposals.

Key measures (KPIs): No. of projects approved/renewed; approval TAT; documentation discrepancy rate; pending query aging.

4. Sales Operations (Login, Processing & Disbursement) - From sales perspective

• Ensure complete, accurate login of loan applications (KYC, income, property and technical/legal documents as applicable).

• Coordinate with processing/RAPC teams for timely credit checks, field investigations, and query resolutions.

• Monitor TAT at each stage and proactively follow up to move files from login to sanction and disbursement.

• Maintain transparent customer communication on status, requirements, and timelines.

Key measures (KPIs): Login quality (rework rate); stage-wise TAT; sanction and disbursement ratio; customer query closure time; customer experience/complaint rate.

5. Portfolio Quality & Risk Management

• Source quality customers and maintain prudent customer selection aligned to policy and risk appetite.

• Ensure proper KYC, AML checks, and accurate customer profiling; avoid policy deviations and mis-selling.

• Support early-warning actions by coordinating with collections/operations for pre-EMI/EMI adherence and post-disbursement documentation.

Key measures (KPIs): Early delinquency (0–30/30–60 DPD) levels; bounce rate; policy deviation rate; fraud/negative verification rate; portfolio health indicators.

6. Market Intelligence & Reporting

• Track competitor pricing, policies, turnaround times, and channel movements in the catchment.

• Share market insights and funnel analytics with the manager to support campaigns and monthly planning.

• Maintain daily/weekly MIS on leads, logins, sanctions, disbursements and pending pipelines.

Key measures (KPIs): MIS timeliness and accuracy; pipeline coverage ratio; campaign ROI/lead quality (as tracked); actionable competitive insights shared.

7. Compliance, Documentation & Governance

• Ensure adherence to regulatory requirements and internal policies (KYC/AML, fair practices code, data privacy, and audit standards).

• Maintain complete documentation and file hygiene for audits and internal reviews.

• Follow ethical selling practices; ensure transparent communication and proper disclosures to customers and partners.

Key measures (KPIs): Audit observations (count/severity); discrepancy rate; policy breach incidents; training completion/knowledge checks (if applicable).

Bachelor degree

3 Years worked as a Manager

Home loan end to end knowledge is mandatory

Fully sales and target oriented