Lead regional Loan Against Property sales growth by managing Area Sales Managers, sales teams, and acquisition channels. Drive disbursement, revenue, profitability, portfolio quality, customer acquisition, and cross-sell targets. Expand markets and sourcing channels, monitor sales performance and portfolio risks, coordinate with Credit, Operations, Risk, Legal, and Technical teams, ensure policy compliance, prepare MIS and forecasts, and coach teams to improve productivity.
To drive Loan Against Property (LAP) business growth across the assigned region through effective sales leadership, channel management, market expansion, and portfolio management while ensuring achievement of business, revenue, profitability, and portfolio quality objectives in line with the Bank's credit and risk framework.
Responsibilities- Drive regional LAP business growth and achieve disbursement, revenue, profitability, and portfolio targets.
- Lead, manage, and monitor Area Sales Managers, sales teams, and channel partners across the assigned region.
- Develop and expand sourcing channels including DSAs, DSTs, connectors, branches, and other approved acquisition channels.
- Identify new business opportunities, customer segments, and geographic markets to enhance LAP penetration.
- Monitor sales funnel management, lead conversion, login-to-disbursement ratios, and productivity metrics.
- Ensure achievement of monthly, quarterly, and annual business targets through effective team and channel management.
- Build strong relationships with key channel partners, branches, and business stakeholders to drive business growth.
- Coordinate with Credit, Operations, Risk, Legal, and Technical teams to ensure timely processing and disbursement of cases.
- Monitor portfolio quality, delinquency trends, sourcing quality, and early warning indicators and initiate corrective actions.
- Ensure adherence to credit policies, regulatory requirements, operational guidelines, and internal controls.
- Drive customer acquisition, retention, and cross-sell opportunities to improve overall business profitability.
- Conduct periodic business reviews, market analysis, and competitor benchmarking to enhance sales strategy.
- Prepare regional MIS, performance dashboards, forecasts, and management reports.
- Coach and mentor sales teams to improve productivity, capability, and overall performance.
Experience: 7 to 10 Years
Qualifications: Graduate (Any Specialisation)
CSB Bank Mumbai, Maharashtra, IND Office
CSB Bank Limited Mumbai Office, Siroya Center, 1st, 2nd and 3rd Floor, Sahar Airport Road, Andheri East, Mumbai, Maharashtra, India, 400099
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