LOHITHA T A
Flat no 062 14th tower TATA New Heaven Bangalore
Summary
Accomplished Cluster Business Manager with over 9 years of experience in Affordable Housing Loans and Loan Against Property. Proven expertise in business development, team leadership, portfolio management, and channel expansion. Demonstrated success in driving profitable growth while maintaining portfolio quality, compliance, and customer satisfaction. Adept at leading large, geographically dispersed teams and collaborating effectively with cross-functional stakeholders.
Overview
9
9
years of professional experience
Work History
CLUSTER BUSINESS MANAGER | AFFORDABLE HL AND LAP
SBFC FINANCE LTD
Bengaluru
06.2025 - 05.2026
- Achieving business targets for Home Loans and LAP products within the assigned cluster.
- Recruiting, training, and leading branch and sales teams to maximize productivity.
- Developing and managing channel partners and open-market sourcing activities.
- Ensuring high portfolio quality by controlling delinquencies and maintaining compliance with company policies.
- Coordinating with Credit, Legal, Technical, and Operations teams to ensure timely processing and disbursement of loans.
- Monitoring key performance indicators such as disbursement volumes, profitability, IRR, and insurance penetration.
AREA HEAD | SMALL/MICRO LAP
RBL BANK LTD
Bengaluru
04.2024 - 03.2025
- Recruited, hired, and trained over 5 Channel Managers and delegated tasks to achieve high-quality results.
- Manage and develop distribution network through pro-actively working with Channel Partners.
- Ensured team productivity while maintaining location productivity.
- Managed and developed distribution network by proactively collaborating with Channel Partners.
- Calculated weighted internal rate of return to assess profitability. for profitable growth and insurance penetration.
- Maintained a quality portfolio by regularly reviewing accounts for delinquency. by minimizing delinquency and rejection
CLUSTER BUSINESS MANAGER | AFFORDABLE HL AND LAP
SBFC FINANCE LTD
09.2022 - 04.2024
- Lead a team of 5 ABMs and 45 BSMs to drive business growth and productivity.
- Spearhead AHL and LAP sourcing through open-market channels.
- Ensure portfolio quality by minimizing delinquency and credit rejections.
- Drive profitability through effective IRR management and insurance penetration.
- Maintain strict adherence to organizational policies and sales processes
AREA BUSINESS MANAGER | AFFORDABLE HL AND LAP
SBFC FINANCE LTD
Bengaluru
04.2020 - 08.2022
- Drive business growth and achieve sales and disbursement targets for Home Loan and LAP products within the assigned territory.
- Recruit, train, mentor, and lead Branch Sales Managers and sales teams to maximize productivity and performance.
- Develop and strengthen sourcing channels, including DSAs, builders, and direct sales initiatives.
- Monitor portfolio quality, collections, and delinquency levels to ensure sustainable and profitable growth.
BRANCH SALES MANAGER | AFFORDABLE HL AND LAP
SBFC FINANCE LTD
Bengaluru
03.2018 - 03.2020
- Generating and converting leads for Home Loan and LAP products through open-market sourcing, referrals, and channel partners.
- Building and maintaining strong relationships with customers, builders, DSAs, and other business associates.
- Monitoring pipeline cases, ensuring high conversion rates, and providing excellent customer service.
RELATIONSHIP OFFICER | AFFORDABLE HL AND LAP
SHRIRAM VALUE SERVICES LTD
09.2017 - 02.2018
- Funneled leads and maximized conversions for logged cases, increasing overall sales potential.
- Generated leads through proactive outreach in open market and among existing customers.
- Maintaining key relationships with existing customers
- Ensured prompt and efficient customer service, contributing to customer satisfaction.
- Nurtured key customer relationships to ensure ongoing satisfaction and retention.
Education
B B M -
GOVT FIRST GRADE COLLEGE
HassanSkills
- Business Development & Market Expansion
- Team Leadership & Performance Management
- Affordable Housing Loans & LAP
- Portfolio Quality & Delinquency Control
- Channel Partner Management
- Credit, Legal & Operations Coordination
- Compliance & Process Adherence
- Customer Relationship Management
PERSONAL DETAILS
Date of Birth: 02/06/1992
Permanent Address: Tagaduru Channarayapatna Tq Hassan Dist. Karnataka -573111
Languages
English
Proficient
C2
Hindi
Proficient
C2
Telugu
Proficient
C2
Kannada
Proficient
C2
Timeline
CLUSTER BUSINESS MANAGER | AFFORDABLE HL AND LAP
SBFC FINANCE LTD
06.2025 - 05.2026
AREA HEAD | SMALL/MICRO LAP
RBL BANK LTD
04.2024 - 03.2025
CLUSTER BUSINESS MANAGER | AFFORDABLE HL AND LAP
SBFC FINANCE LTD
09.2022 - 04.2024
AREA BUSINESS MANAGER | AFFORDABLE HL AND LAP
SBFC FINANCE LTD
04.2020 - 08.2022
BRANCH SALES MANAGER | AFFORDABLE HL AND LAP
SBFC FINANCE LTD
03.2018 - 03.2020
RELATIONSHIP OFFICER | AFFORDABLE HL AND LAP
SHRIRAM VALUE SERVICES LTD
09.2017 - 02.2018
B B M -
GOVT FIRST GRADE COLLEGE