Vice President - Sales - Loan Against Property - Financial Services

Key Responsibilities :

- To demonstrate thought leadership, conceptualize, and implement the Business Strategic Plan, steering top line growth and delivering bottom line for the LAP business.

To create an industry leadership position for the LAP and SME business in the region for the company.

- Identify and drive Sales, Marketing and Distribution strategies to ensure regular flow of business.

- Explore and identify new sourcing avenues and Channels at a Regional level.

- Build lean yet effective sales organization structure at regional level with focus on training and retaining best of the sales professionals.

- Conduct regular and detailed business reviews with Location Sales Manager and Relationship Manager to ensure that corporate strategies are percolated down to the ground level sales force

- Measure the productivity and efficiency level of Sales Team and Channel partners closely and initiate corrective action as required.

- Build capability and productivity by enhancing skills and monitoring progress of sales teams.

- Understand competitive landscape, opportunities, and market dynamics of the region to build quick tactical mechanisms and garner business.

- Suggest product and process enhancements to Central Office basis best practices of competition.

- Ensure pricing and risk policies are in organization's best interest.

- Engage closely with Central Marketing to ensure that branding and advertisement at Regional level are in line with product offering.

- Revenue Optimization and Cost control through

- Maintenance of pricing discipline in line with cost of funds scenario and competition.

- Initiation of process improvement measures to ensure effective cost management.

- To Manage the profitability of the region for LAP business.

Education Qualification(s) MBA / Bachelor's degree in finance, business administration, or a related field.

Relevant Skills:

Functional Skills:

Technical Skills:

- Sales and distribution: Target achievement and distribution expansion.

- Maintain portfolio quality: source right set of the customers, constant supervision of the portfolio.

- Training and development programs: for channel partners and direct sales team

- Revenue optimization: to maximize opportunities on other revenue streams like cross sales of insurance, proc. fee collection etc. Also, to ensure the acquisition cost and credit related costs in check.

- Customer Service: pre and post disbursal.

Relevant Experience:

- Experience in the financial services industry, with a focus on loan against property.

- Proven track record of achieving business targets and driving growth.

- Strong leadership and team management skills.

- Excellent knowledge of loan underwriting, credit risk assessment, and regulatory compliance.

- Sound understanding of real estate markets and property valuation techniques.

- Exceptional communication, negotiation, and relationship management skills.

- Analytical mindset with the ability to interpret financial data and make informed decisions.

- Proficiency in using financial analysis tools and software.