| About the Business Group: |
| The Mortgages department is a part of the Retail Lending business of the bank and offers Asha Home Loans to all segments including affordable segment of customers Pan India. |
| About the Role: |
| This role is responsible for achieving business goals within laid down compliance norms through adoption of transformation within Asha Home Loan business. |
| Details of the Role: |
| Department | Retail Lending | Grade | AM/DM/M |
| Sub-Department | Retail Lending- ASHA Home Loan - Branch | Reporting (Business) | M/SM/AVP |
| Location | Pan India | Reporting (Matrix) | |
| Key Responsibilities: |
Business Goals and Profitability- Meet assigned disbursement targets by sourcing Asha home loan business through designated branches.
- Ensure daily follow-up and engagement with branch staff to generate quality leads.
- Create and convert the prospects for cross selling opportunities.
Sales and Channel Development- Support branch teams with product knowledge, sales pitches, and application processing.
- Conduct regular visits and huddles with branch staff to improve lead conversion.
Compliance and Risk Management- Ensure accurate documentation and eligibility checks as per process guidelines.
- Adhere to internal and regulatory compliance requirements.
Customer Experience- Engage with customers referred by branches to ensure prompt service and resolution.
- Facilitate smooth onboarding and address queries during the application process.
Digital Adoption and Innovation- Ensure use of Siddhi, MLP, Omega, and SFDC tools for lead tracking and conversion.
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| Qualifications: |
- Graduation/post-graduation from a recognized institute
- 2+ sales experience (secured products preferred) with at least 0-2 years in Home Loan and LAP (preferably affordable housing loans).
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| Role Proficiencies: |
- Strong sales orientation
- Proficiency in managing complex client relationships, diverse stakeholders
- Capability to handle pressure and meet deadlines
- Skill in managing large, geographically spread team; coaching and mentoring team members
- Competence in managing within a dynamic, priority-setting environment
- Strong risk and compliance mindset
- Adept at communication and interpersonal skills
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