Posted:3 days ago| Platform: Linkedin logo

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Work Mode

On-site

Job Type

Full Time

Job Description

Key Responsibilities

  • Business Development & Strategy:
    • Drive the business growth for LAP within the designated city/cluster, focusing on high-ticket loans (up to 5 Cr or more).
    • Create and execute strategies to build and enhance LAP portfolio.
    • Develop and maintain relationships with key stakeholders, including clients, channel partners, and internal teams.
  • Team Management:
    • Lead and manage a team of sales professionals, ensuring they meet the defined targets and KPIs.
    • Provide coaching, training, and performance reviews to enhance team effectiveness and productivity.
  • Loan Origination & Underwriting:
    • Oversee the entire LAP process from origination, credit evaluation, documentation, disbursement, and collections.
    • Focus on non-salaried LAP loans and ensure adherence to credit policies, risk management, and legal requirements.
  • Portfolio Management:
    • Monitor and manage the portfolio to minimize risk while optimizing profitability.
    • Review loan performance and take necessary actions to maintain healthy asset quality.
  • Market & Competitive Analysis:
    • Keep track of industry trends, competitor offerings, and customer preferences to adjust strategies accordingly.
    • Identify opportunities to improve customer experience and differentiate offerings in the market.
  • Reporting & MIS:
    • Provide regular updates and reports to senior leadership regarding business performance, challenges, and opportunities.

Skills & Experience

  • Minimum 12-15 years of experience in the Loan Against Property (LAP) domain.
  • Expertise in handling high-ticket LAP loans (up to 5 Cr) and non-salaried LAP loans.
  • Experience in leading and managing a team, with a focus on business development and customer acquisition.
  • Ability to work in a fast-paced environment, handling multiple priorities effectively.
  • Strong knowledge of the local market (Harbour Line / Central Line areas in Mumbai).
  • Excellent communication, negotiation, and relationship-building skills.

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