Area Credit Manager - Individual Loans - MFB

Sales Process Management

Aggressively drive the sales numbers and achieve the business targets for home loans and through cross selling while continuing to enhance and upgrade the client relationships.

Retain and expand the company's base of customers for home loan and LAP channel so as to ensure repeat business or referrals

Maximize sales through a network of DSA by effectively managing connector and builder relationships to ensure strong business

Develop and maintain strong liaisons with the clients for repeat business or referrals.

Maximize number of APFs and increase penetration in the approved APF projects.

Identify and develop new builder / channel relationships so as to penetrate new markets and thereby increase business

Ensure the files are processed from login stage to disbursement and liaise with internal departments (Operations and Credit) for completion.

Sales Planning and Team Management

Optimize team productivity by effectively managing the team of relationship managers so as to assure achievement of team results and thereby meet the business targets and profitability of the area

Align with the team on ground lead generation activities for Sales.

Lead and supervise the team of relationship managers for the implementation of the growth agenda through appropriate training, motivation and deployment strategies

Industry Governance

Constantly keep abreast of market trends and competitor intelligence so as to build and develop effective sales and marketing strategies

Use understanding of the markets / competition / process and products available in the markets to provide positive feedback to the central product and policy team to stay ahead in the market.

Ensure compliance to all Audit / NHB regulations as well as processes, policies and reports as per company designed systems.

Skills Required

Credit Underwriting, Sales, Credit Appraisal, Credit Management, Loans