To drive Loan Against Property (LAP) business growth across the assigned region through effective sales leadership, channel management, market expansion, and portfolio management while ensuring achievement of business, revenue, profitability, and portfolio quality objectives in line with the Bank's credit and risk framework.
Responsibilities- Drive regional LAP business growth and achieve disbursement, revenue, profitability, and portfolio targets.
- Lead, manage, and monitor Area Sales Managers, sales teams, and channel partners across the assigned region.
- Develop and expand sourcing channels including DSAs, DSTs, connectors, branches, and other approved acquisition channels.
- Identify new business opportunities, customer segments, and geographic markets to enhance LAP penetration.
- Monitor sales funnel management, lead conversion, login-to-disbursement ratios, and productivity metrics.
- Ensure achievement of monthly, quarterly, and annual business targets through effective team and channel management.
- Build strong relationships with key channel partners, branches, and business stakeholders to drive business growth.
- Coordinate with Credit, Operations, Risk, Legal, and Technical teams to ensure timely processing and disbursement of cases.
- Monitor portfolio quality, delinquency trends, sourcing quality, and early warning indicators and initiate corrective actions.
- Ensure adherence to credit policies, regulatory requirements, operational guidelines, and internal controls.
- Drive customer acquisition, retention, and cross-sell opportunities to improve overall business profitability.
- Conduct periodic business reviews, market analysis, and competitor benchmarking to enhance sales strategy.
- Prepare regional MIS, performance dashboards, forecasts, and management reports.
- Coach and mentor sales teams to improve productivity, capability, and overall performance.
Experience: 7 to 10 Years
Qualifications: Graduate (Any Specialisation)
Skills Required
- 7 to 10 years of experience
- Graduate degree in any specialization
CSB Bank Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about CSB Bank and has not been reviewed or approved by CSB Bank.
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Fair & Transparent Compensation — Pay is considered fair in certain managerial or target-based roles, with some positions viewed as competitive for the industry. Salaries are consistently reported as paid on time, supporting a baseline of reliability.
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Strong & Reliable Incentives — Earnings can be strong when sales targets are achieved, indicating meaningful performance-linked upside in some roles.
CSB Bank Insights
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.
