Sales Officer - Housing Loans

Job Title:

Department:

Reports To:

To drive home loan sales by effectively mapping assigned geographies, identifying and developing business sources, nurturing customer and partner relationships, and ensuring superior customer service. The role demands a strong focus on target achievement and consistent performance reporting.

Key Responsibilities:

1. Area/Geography Mapping

• Systematically conduct lane-to-lane mapping within the assigned geography.
• Identify and develop new business opportunities in the area.
• Share regular field updates during daily team huddles.

2. Source Relationship Management

• Build and maintain strong relationships with assigned and newly identified sourcing channels.
• Drive business through effective engagement with sourcing partners to meet key performance metrics such as LSR (Lead to Sanction Ratio), SLR (Sanction to Login Ratio), and Market Share.

3. Report Maintenance

• Maintain accurate and up-to-date sales records, lead logs, and performance data.
• Prepare and submit daily activity diaries and reports as per organizational norms.

4. Channel Partner Recruitment

• Identify and onboard potential Business Sourcing Agents (BSAs).
• Ensure all channel partners meet company empanelment and compliance norms.

5. Daily Team Huddles

• Actively participate in daily team meetings.
• Share insights, challenges, and updates in structured formats for team alignment and productivity tracking.

6. Customer Relationship Management

• Provide excellent customer service and ensure a seamless loan experience.
• Demonstrate thorough knowledge of HDFC and competitor home loan products.
• Guide customers through the documentation, KYC, and credit evaluation processes.
• Effectively handle objections and close deals.

Skills & Competencies Required:

Technical & Functional Skills:

• In-depth knowledge of local geography
• Planning and execution capabilities
• Proficiency with tools for source identification
• Report formatting, data entry, and diary management
• Understanding of BSA empanelment and partner evaluation
• Product knowledge, documentation, and credit analysis skills

Behavioral Competencies:

Must-Have:

• Strong interpersonal and relationship-building skills
• Target-driven mindset with strong planning and execution ability
• Effective selling skills including objection handling and lead conversion

Good-to-Have:

• Creative problem-solving abilities
• Customer-first attitude
• Logical reasoning and decision-making aptitude