Bajaj Housing Finance / ASM -Prime/ Noida,Gurgaon,Hyderabad, Bangalore
- Gurgaon, Haryana Delhi
- Contract
- Full-time
Location: [City/Region Specific]
Department: Sales – Affordable/Near Prime Segment
Reporting to: Regional Sales Manager / Zonal Sales ManagerJob Purpose:To drive affordable housing loan and LAP business in the Near Prime segment, managing a team of Relationship Officers/Executives, building strong channel partner relationships (DSAs, Connectors), ensuring compliance, and achieving sales targets with quality sourcing.Key Responsibilities:Business Development:Acquire new customers for home loans and LAP (Loan Against Property) under the Near Prime category (salaried/self-employed).Source files through DSAs, connectors, builders, real estate agents, and other open market channels.Identify and develop new geographies and opportunities in semi-urban/rural areas.Team Management:Lead a team of Relationship Officers/Executives to achieve sales goals.Provide training, support, and guidance to the team on product knowledge, credit parameters, and documentation.Channel Management:Build and maintain relationships with DSAs and other sourcing partners.Ensure productivity and activation of all active channels.Credit & Compliance:Ensure files sourced are within the acceptable credit norms, with required documentation and minimum deviation.Maintain portfolio hygiene and ensure low delinquency/NPA rates.Market Intelligence:Stay updated on competitor offerings, pricing, and sourcing strategies.Suggest enhancements to product/policy based on ground feedback.Key Skills & Competencies:In-depth understanding of Near Prime/Affordable Housing marketExperience in Home Loan/LAP sales (preferably in NBFCs/HFCs)Channel development & management skillsTeam handling experienceGood understanding of credit, documentation, and customer profilesExcellent communication, negotiation & relationship-building skillsQualification & Experience:Graduate/MBA preferredMinimum 4–7 years of experience in home loan or LAP sales, with at least 1–2 years in a team-handling roleExposure to Near Prime/Affordable Housing segment is a mustPerformance Metrics:Monthly/quarterly disbursement targetsActive channel performanceTeam productivityPortfolio quality (delinquency/NPA metrics)TAT & customer satisfaction