Cluster Manager

Job Title: Cluster Manager – Home Loan

Department: Retail Lending – Home Loan Vertical

Reporting To: Regional Sales Head / Zonal Head

Location: Multiple locations across the following states:

Andhra Pradesh, Assam, Bihar, Chandigarh (UT), Delhi (NCT), Goa, Gujarat, Jharkhand, Kerala, Madhya Pradesh, Maharashtra, Odisha, Tamil Nadu, Telangana, Uttar Pradesh

Job Overview:

The Cluster Manager – Home Loan will oversee the home loan sourcing and disbursement operations within an assigned cluster of branches and regions. The role involves leading a team, driving business growth through diverse sourcing channels, maintaining high service standards, and ensuring compliance with internal and regulatory guidelines.

Key Responsibilities:

1. Sales & Business Development

Achieve disbursement and login targets as per business goals.

Explore and develop new sourcing opportunities and market segments.

2. Team Management

Lead a team of Sales Managers, Relationship Officers/Managers, and Coordinators.

Allocate targets, monitor performance, and conduct regular team reviews.

Offer on-ground support and coaching to enhance productivity.

3. Channel & Branch Coordination

Partner with bank branches for lead generation and business enhancement.

Strengthen relationships with DSAs, connectors, builders, and real estate partners.

4. Credit & Documentation

Ensure proper documentation before file login.

Liaise with credit and operations for timely approvals and disbursements.

5. Compliance & Portfolio Quality

Ensure adherence to KYC, AML, and internal lending policies.

Monitor sourcing quality to reduce delinquencies and manage audit readiness.

6. Customer Service

Ensure smooth customer experience throughout the loan lifecycle.

Address customer grievances and drive business through referrals.

Key Skills Required:

In-depth knowledge of home loan products and lending ecosystem.

Strong leadership, coaching, and team-handling experience.

Solid grasp of credit underwriting and documentation norms.

Excellent communication, negotiation, and relationship-building skills.

Proficiency in MS Office, Loan Origination Systems, and CRM platforms.

Qualifications & Experience:

Education: Graduate in any discipline (mandatory); MBA in Marketing/Finance (preferred).

Experience: Minimum 8 years in the home loan industry with at least 5 years in a leadership role. Experience in banks, NBFCs, or HFCs is desirable.

Remuneration:

Compensation will be commensurate with experience, qualifications, and suitability. The right candidate will be offered an attractive CTC package, which will not be a constraint for deserving individuals.

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