State Head-Home Loan and Suvidha LAP

Job description

Job Requirements Role/Job Title: State Head-Home Loan and Suvidha LAP Business: Retail Banking Function department: Home Loans Job Purpose State Head – Home Loan and Suvidha LAP, direct plays a pivotal role in driving the acquisition and growth of the Home Loan/Suvidha portfolio by leveraging the bank’s existing customer base. This role is responsible for sourcing business through internal channels, managing a high-performing sales team, and ensuring superior customer experience. The position demands strong leadership, cross-functional collaboration, and adherence to compliance standards to meet business targets across assigned geographies. Key Responsibilities Primary Responsibilities • Business Acquisition • Generate Home Loan leads and drive disbursements through the bank’s customer base across branches. • Collaborate with branch banking, relationship managers, and internal teams to identify and convert potential customers. • Ensure productivity norms are met for lead conversion and disbursal. • Team Management & Training • Lead and manage a team of Sales Managers and Territory Managers. • Train and motivate team members and branch staff on product features, sales processes, and customer handling. • Relationship Management • Build strong relationships with branch heads and cross-functional teams to facilitate smooth lead generation and closures. • Act as the single point of contact for Home Loan requirements of existing customers in the area. • Process & Compliance • Ensure adherence to bank policies, processes, and regulatory guidelines. • Coordinate with credit, operations, and legal teams to expedite approvals and documentation. • Reporting & MIS • Track and report daily, weekly, and monthly business performance. • Share market feedback and insights with senior management for strategic refinement. Secondary Responsibilities • Maintain strong knowledge of Home Loan/Suvidha products, lending norms, and documentation. • Identify and convert sales opportunities from existing customer relationships. • Promote digital enablement to fulfill customer needs holistically. • Ensure high-quality customer service and cross-functional coordination. • Support branches and teams in using banking systems and customer management platforms. Education • Graduate Degree: Any stream • Postgraduate Degree: Any stream (preferred) • Professional Certifications: Preferred but not mandatory Experience • 4–9 years of relevant experience in BFSI sector • Prior experience in secured/unsecured lending, team management, and internal channel sourcing • Role Level: Chief Manager / AVP