The Role
Drive regional mortgage business (LAP, HL, Affordable HL, Secured Business Loans) through branch and direct channels. Lead and develop ABDMs/BDMs, achieve targets, ensure hiring/training, monitor portfolio quality and delinquencies, generate leads and cross-sell products, maintain stakeholder relationships, and ensure compliance, documentation hygiene, and timely resolution of escalations and customer grievances.
Summary Generated by Built In
- The RBDM is responsible for driving the mortgage business (LAP, HL, Affordable HL, and Secured Business Loans) across a defined region through branches and direct channel.
- This includes managing a team of Area Business Development Managers and Business Development Managers, ensuring achievement of business targets, maintaining portfolio quality, and ensuring compliance and customer satisfaction.
Strategic & Managerial
- Drive regional business targets for LAP and HL products.
- Lead and manage a team of ABDMs and BDMs across multiple clusters.
- Ensure timely hiring, training, and productivity of the team.
- Conduct regular performance reviews and implement corrective actions.
- Ensure branch activation and engagement across the region.
- Monitor and improve portfolio quality and manage delinquencies.
Business Development
- Ensure consistent lead generation and file movement across mapped branches and direct channels.
- Drive cross-sell of insurance, liability, and third-party products.
- Strengthen relationships with key internal stakeholders (Branch Banking, Credit, Operations. Legal and Technical).
Compliance & Governance
- Ensure adherence to internal policies, audit norms, and regulatory guidelines.
- Monitor documentation, PDDs, and disbursement hygiene.
- Resolve escalations and customer grievances in a timely manner.
Products to be Sourced
- LAP Term Loan, LAP LRD, LAP OD, LAP Dropline OD.
- Secured Business Loan.
- Home Loan.
- Affordable Home Loan.
Education: MBA (Any Specialization)
Experience: 10 - 15 years in mortgage lending with at least 2 years in a regional leadership role.
Skills Required
- MBA (Any Specialization)
- 10-15 years experience in mortgage lending
- At least 2 years in a regional leadership role
- Experience managing and developing teams of Area BDMs and BDMs
- Proven track record driving LAP, Home Loan, Affordable HL, and Secured Business Loan sourcing
- Knowledge of portfolio quality management and delinquency control
- Familiarity with compliance, audit norms, documentation (PDDs) and regulatory guidelines
- Stakeholder management with Branch Banking, Credit, Operations, Legal, and Technical teams
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The Company
What We Do
CSB is a full service bank established in 1920 and headquartered in Thrissur, Kerala. CSB has over 703 branches covering not just the district headquarters and large towns but also semi-urban and rural centers. Thanks to its unique origin and history, CSB is considered a household banking brand in Kerala. CSB offers Retail, Wholesale and SME Banking services through its footprint of over 703 branches across the country serving over 2 million customers.
