LOHITHA T A

• Drive Home Loan (HL) and Loan Against Property (LAP) business to achieve monthly, quarterly, and annual targets.
• Recruit, train, mentor, and monitor ASMs, TSMs, and Sales Executives. Build and strengthen relationships with DSAs, connectors, builders, and channel partners to generate quality business.
• Ensure healthy login, sanction, disbursement, and portfolio growth.
• Monitor portfolio quality by controlling delinquency, NPAs, and early bucket collections.
• Ensure excellent customer service and maintain high customer satisfaction levels

• 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.

• 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

• 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

• 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.

• 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.

• 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.