New
Job Preference:
Qualification:
Any Graduate, Any Post GraduateJob Description:
Job Overview
We are seeking an experienced and target-driven Home & Mortgage Loan Specialist to join our team in Ahmedabad. In this role, you will be responsible for expanding our market footprint by onboarding and managing new Direct Selling Agents (DSAs), connectors, CAs, and builders, as well as driving end-to-end sourcing for Home Loans (HL) and Loans Against Property (LAP). The ideal candidate must possess deep roots in the local financial ecosystem across major Ahmedabad hubs (e.g., SG Highway, Prahlad Nagar, Bopal, Chandkheda, Thaltej, Ashram Road).
Key Responsibilities
1. Network Expansion & Empanelment (DSA & Connectors)
Identify, pitch to, and empanel new DSAs, connectors, CAs, and financial advisors across Ahmedabad to build a robust distribution channel.
Onboard new real estate builders and project developers for approved project funding/APF arrangements.
Drive engagement, productivity, and regular payout tracking for empaneled partners to ensure consistent monthly business volume.
2. Sourcing & Business Generation
Achieve individual and channel targets for Home Loans, Top-up Loans, and Loans Against Property (LAP).
Conduct joint client meetings with channel partners to close high-value or complex loan applications.
Monitor market trends, competitor rates, and local developer project launches to spot emerging business opportunities.
3. End-to-End Processing & Operations
Guide clients and channel partners on loan eligibility, documentation requirements, legal compliance, and technical evaluations.
Coordinate closely with internal credit, legal, property valuation, and operations teams to guarantee quick Turnaround Times (TAT) from login to disbursement.
Ensure first-time-right (FTR) document submission to maintain high approval rates and minimize early defaults.
4. Relationship & Portfolio Management
Serve as the single point of contact for empaneled partners and key clients throughout the loan lifecycle.
Cross-sell allied financial products (property insurance, life/health insurance) where applicable.
Skills:
Experience Level: Minimum 4+ years in retail lending / housing financeKey Qualifications & Skills
Education: Bachelor’s degree in Business, Commerce, Finance, or a related field (MBA/PGDM in Marketing or Finance preferred).
Experience: Minimum 4+ years of direct experience in Home Loans, LAP, and channel/DSA management within a Bank, NBFC, Housing Finance Company (HFC), or national loan distribution network.
Network & Channel Focus: Proven track record of onboarding, managing, and scaling productive DSA and connector relationships in the Ahmedabad region.
Local Market Knowledge: Deep understanding of the local real estate ecosystem, title search norms, municipal approvals, and key micro-markets in Ahmedabad.
Languages: Fluency in Gujarati, Hindi, and English (strong command of Gujarati is essential for local partner networking).
Core Competencies:
Strong understanding of mortgage credit policies, LAP LTV norms, and property title documentation.
Demonstrated track record of achieving aggressive monthly disbursement and partner acquisition goals.
Excellent negotiation, partner-handling, and interpersonal skills.
What We Offer
Competitive fixed salary + attractive channel-incentive structure.
Travel allowances and health coverage.
Clear pathway for progression into Team Leader or Regional Channel Lead roles.