The ‘Loan Against Property (LAP)’ Business vertical is the part of ‘Secured Assets’ division of the Consumer Bank.
This vertical specializes in acquiring retail customers for funding against Residential, Commercial & Industrial Properties. We also provide loans for purchase of Commercial Properties and funding with Lease Rental Discounting. The target customer segment is small & medium traders, manufacturers & service provides and self-employed professionals. We have recently started funding Salaried customers also. The vertical has Pan India presence with coverage in most of the major towns of the country. The Sales team comprises Relationship Managers (RMs) who are responsible for acquiring LAP customers from various channels i.e. Direct Marketing Agents, Direct Sales Teams, Branch Banking & Other Group Businesses etc.
Job Role:
Manage sales for Loan against Property business from cross channel and open market
Manage sales and distribution through the cross channel and open market channels
Ensure unilateral growth by adding new Branches
Manage and grow the Direct Sales team and focus on increased Productivity
Marketing and encashing catchment areas
Meeting HNI clients and explaining various products related to Loan against property/HF/ Working capital.
Responsible for Builder relations and Builder Tie Ups to focus on Primary Markets
Responsible for Project approvals of Builders
Ensure additional revenue generation through cross sell & Multi selling of Insurance, CASA , Credit Cards etc.
Training & Development of the DST Team and DSAs
Liasoning with Internal teams for business like Credit, Legal, Technical, RCU & Operations
Responsible for end to end processing of the case and updating the status of the same to the customers.
Ensuring Top Class service for Customers for better NPS Scores
Experience in SECURED LOAN SALES is Must
Job Requirements:
Qualification - Graduate / MBA
Skills & Experience –
Minimum 2 years work experience in Home Loan /Mortgage Sales with DMA/DST/Bank Branches
Relationship Manager - LAP - HF Loan Against Property (LAP)-Sales