As State Head - Sales, you will be responsible for driving housing loan and LAP business growth across the state. The role carries accountability for achieving disbursement targets, building a strong distribution network, ensuring portfolio quality, and maintaining process and compliance discipline. This is a senior leadership role with end-to-end ownership of state-level sales performance.
Key Responsibilities:
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State Business & Strategy
Develop and implement state-level sales strategies for Home Loans and LAP products.
Own and deliver state disbursement targets in line with approved business plans.
Analyze market trends, competitor activity, and customer needs to identify growth opportunities.
Prepare and manage sales budgets and forecasts for the state.
Distribution & Channel Management
Build and strengthen a robust distribution network across DST, DSA, and Connector channels.
Ensure each sourcing point is active and contributes meaningfully to business volumes.
Monitor channel productivity, conversion ratios, and lead generation effectiveness.
Sales Productivity & Execution
Ensure sufficient lead generation opportunities and healthy conversion ratios across branches.
Drive productivity at branch, RM, and channel level through regular reviews and action plans.
Ensure regular branch visits, travel, and on-ground engagement by self and team.
Team Leadership & Capability Building
Recruit, train, and lead a high-performing sales organization across the state.
Ensure teams are well-versed with prevailing KPIs, product norms, and sourcing standards.
Coach and mentor teams to improve performance, discipline, and customer engagement.
Governance, Compliance & Risk Management
Ensure strict adherence to regulatory requirements, company policies, and ethical standards.
Monitor and manage risks related to sourcing and disbursements in line with credit policies.
Ensure timely closure of OTC, PDD, and pre-disbursement conditions.
Track portfolio quality, early bounce trends, and delinquency indicators.
Reporting & Management Communication
Prepare and present regular MIS and sales performance reports to senior management.
* Provide insights on market trends, portfolio quality, and growth opportunities.
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