State Head-Home Loan and Suvidha LAP

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

• 5–10 years of relevant experience in BFSI sector
• Prior experience in secured/unsecured lending, team management, and internal channel sourcing