Job Overview
Job Role The Home Loan State Head drives the acquisition, expansion, and profitability of the home loan and mortgage portfolio across an assigned state or territory. This involves leveraging existing customer databases, managing open-market or internal channels, and leading a high-performing regional sales team to achieve regional disbursement targets. State Head handles a team of Sales Managers and their team of BDE's
Key Responsibilities
Business Acquisition & Growth: Deliver monthly and annual disbursement targets for Home Loans and LAP. Source business through internal branch networks, cross-sell opportunities, and open-market channels (DSAs, connectors, and builders).
Team Leadership & Management: Lead, mentor, and monitor the state-level sales and management team. Review branch and individual productivity metrics, driving corrective action plans when targets lag.
Portfolio Health & Profitability: Monitor return on investment (ROI), average ticket sizes, and portfolio quality. Ensure low delinquency rates and maintain healthy sourcing standards.
Cross-Functional Collaboration: Coordinate closely with credit, risk, operations, and policy teams to ensure smooth file processing and turnaround times (TAT).
Compliance & Governance: Adhere strictly to internal bank policies, regulatory guidelines, and statutory compliance standards.
Ideal Candidate: Looking for a candidate with good leadership experience in Home Loans.