Team Leader – Loan Against Property at chola mandalam investment and finance company ltd

Job Description

About the Role

We are seeking an experienced Team Leader – Loan Against Property (LAP) to lead a secured lending sales team, drive business growth, and maintain strong application quality. The role involves achieving disbursement targets, developing sourcing channels, coaching relationship managers, and coordinating with credit, legal, technical valuation, and operations teams to deliver a smooth customer experience.

Employment: Full Time | Work mode: Work from Office, with customer and channel-partner visits as required.

Key Responsibilities

• Lead, coach, and monitor a team of relationship managers or sales executives against monthly and quarterly LAP sourcing and disbursement targets.

• Develop business through direct sourcing, referrals, direct selling agents (DSAs), and other approved channel partners.

• Manage the sales funnel from lead generation and application submission through sanction coordination and disbursement.

• Conduct preliminary assessments of customer eligibility, repayment capacity, income documentation, existing obligations, and property-related information in line with lender policy.

• Coordinate with credit, legal, valuation, and operations teams to resolve documentation gaps and improve turnaround times without bypassing controls.

• Ensure adherence to KYC, AML, customer consent, data privacy, fair lending practices, and applicable regulatory and internal requirements.

• Review team productivity, conversion rates, channel performance, and early portfolio-quality indicators using CRM and management reports.

• Support customer query resolution and coordinate with servicing and collections teams when required.

• Promote transparent communication of interest rates, fees, repayment obligations, and loan terms, avoiding mis-selling or unauthorized commitments.

Required Skills & Qualifications

• 4–8 years of experience in secured lending sales, preferably Loan Against Property, mortgage lending, or business loans backed by property.

• At least 1 year of experience leading a sales team or managing team-level targets.

• Bachelor’s degree in any discipline; Commerce, Finance, Business Administration, or a related field is preferred.

• Practical knowledge of LAP products, customer segments, loan-to-value ratios, income assessment concepts, credit bureau reports, and mortgage documentation.

• Demonstrated ability to achieve sales targets while maintaining application quality and compliance standards.

• Experience developing and managing DSA, referral, or direct-sales channels.

• Strong coaching, negotiation, stakeholder management, and customer communication skills.

• Working proficiency in CRM systems, Microsoft Excel, and sales performance reporting.

Nice to Have

• Experience with a bank, NBFC, or housing finance company offering mortgage-backed lending products.

• Exposure to self-employed customers, MSMEs, and assessment of business-income documentation.

• An established network of relevant sourcing partners.

• MBA or postgraduate qualification in Finance, Marketing, or Business Management.

• Experience improving team conversion rates, disbursement turnaround times, or early delinquency outcomes.

What We Offer

• Indicative annual compensation: ₹7,00,000–₹14,00,000, subject to experience, team scope, employer, and market conditions.

• Potential performance-linked incentives, subject to the employer’s compensation policy.

• Ownership of team performance and channel development within a secured lending business.

• Opportunities to strengthen sales leadership, lending-product knowledge, and cross-functional coordination skills.

• Benefits, training support, and career progression arrangements to be confirmed by the employer.

Skills

About chola mandalam investment and finance company ltd

Cholamandalam Investment and Finance Company Limited (Chola), incorporated in 1978 as the financial services arm of the Murugappa Group. Chola commenced business as an equipment financing company and has today emerged as a comprehensive financial services provider offering vehicle finance, home loans, loan against property, SME loans, Secured Business Personal Loans (SBPL), Consumer & Small Enterprises Loans (CSEL), Loan against Securities and a variety of other financial services to customers.

Location

Berhampur, Odisha, India

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