SHRADDHA SUKRE

1. Business Sourcing & Lead Generation

• Drive login/loan applications for home loans via the DSA/channel network, open-market leads, walk-ins, referrals etc.
• Monitor lead generation efforts, ensure quality of leads, follow up on “opportunity” leads & convert them into loan submissions.
• In some cases, personally meet high-net-worth or prospective customers to close important or large-value loans.

2. Channel / DSA Partner Management

• Build and expand DSA network / channel partners / connectors in assigned geography. Recruit new DSAs, empanel them, validate their credentials.
• Maintain and manage relationships with existing DSAs / channel partners — motivate them, provide feedback/training on lead sourcing, application submission, compliance, quality of leads.

3. End-to-End Loan Processing Oversight (from login → disbursement)

• Oversee the entire loan application pipeline: ensure submitted applications (login) move through credit, documentation, sanctioning to final disbursement — with minimal delays or rejections.
• Liaise/co-ordinate with internal teams (credit, operations, backend, compliance) to resolve issues, follow up on pending documentation, and ensure timely loan processing.
• Ensure compliance with regulatory and internal policies, correct documentation, KYC norms, proper customer profiling, accurate data capture in bank/CRM systems.

4. Cross-selling / Additional Sales

• For some positions (especially in agencies/with ties to insurance or other banking products), cross-sell other financial products — e.g. insurance (life/non-life), fixed deposits, or investment/insurance products to home-loan customers.
• Build deeper relationships with customers — attempt to manage customer’s overall account (loans, insurance, investments) not just home-loan — to maximize value per customer.

1. Business development & lead generation:

• Source new customers via direct sales, market visits, channel partners, referrals.
• Reach out to builders, real-estate agents, DSAs (Direct Selling Agents), brokers, etc.

2. Client relationship management:

• Understand customers’ needs, advise on suitable home-loan products.
• Handle customer queries, provide service through loan application to disbursement, and sometimes beyond (e.g. cross-sell).

3. Loan processing coordination:

• Work with internal teams — credit, underwriting, operations, legal/technical (if required) — to ensure proper documentation, compliance, loan approval, and disbursal.
• Ensure adherence to regulatory and internal lending guidelines.

4. Cross-sell / additional revenue products

• In some postings, besides home loans, there may also be targets for cross-sell of banking products like savings/current accounts (CASA), insurance, or other third-party products.

5. Customer service

• Ensure smooth customer experience — timely processing, good communication, high satisfaction.

1. Team Leadership & Sales Management

• Oversee and lead a team (sales executives, DSAs, channel partners) involved in sourcing and processing home loans.
• Set targets, monitor performance, mentor and guide team to meet home-loan disbursement & sales goals.
• Manage channel partnerships (builders, brokers, DSAs — Direct Selling Agents / distributors) for lead generation and loan sourcing.
• Business Development & Market / Channel Strategy
• Identify and tap into new business opportunities: e.g. potential home-loan customers, builder / developer tie-ups, real estate brokers, referral networks.
• Expand reach: launch and promote loan products (home loans, mortgages) in target geographies.
• Cross-sell other banking / financial products where relevant (though primary focus on home loans).

2. End-to-End Loan Processing Coordination

• Coordinate with internal functions — credit, operations, documentation, legal, disbursement teams — to ensure smooth processing of home-loan applications from lead to disbursement.
• Ensure quality of applications, do basic checks (eligibility, documentation), and ensure compliance with bank policies to mitigate riak

3. Customer Relationship & Service Management

• Manage relationships with prospective and current customers: guide them, assist with queries, ensure good customer experience throughout the home-loan journey.
• Resolve escalations, and ensure customer satisfaction — which helps generate repeat referrals or loyal customer base.

4. Operational Oversight, Compliance & Risk Management

• Ensure banking norms, documentation standards, internal controls, compliance with regulations are followed.
• Review performance of team / channel partners to avoid risky or fraudulent loan applications.
• Monitor portfolio quality (performing vs non-performing), ensure timely processing, contribute to bank’s risk management and quality standards.

• Lead generation & client acquisition — Identifying potential clients: these could be business-owners looking to sell, entrepreneurs looking for franchise opportunities or investors looking to buy/partner.
• Presenting business/franchise opportunities — Explaining FIBL’s portfolio of businesses, available franchises or enterprises for sale to prospective buyers or investors; helping match clients to suitable franchises or business models.
• Managing the deal lifecycle (end-to-end process) — From initial interest / lead → through meetings/presentations → to MoU (memorandum of understanding) / agreement signing, deal closure, handover. This includes facilitating negotiations, communications, due diligence, and legal/documentation.

1. Customer Interaction & Relationship Management

• Act as the primary point of contact for customers during the loan journey—from inquiry to disbursement.
• Understand customer requirements and provide product information, eligibility checks, and documentation guidance.
• Provide timely updates to customers on application status, approvals, queries, and disbursements.

2. Sales Support & Lead Management

• Coordinate with Relationship Managers/Executives to manage incoming leads and ensure timely follow-up.
• Track lead conversion, maintain lead funnels, and ensure high-quality sourcing.
• Support sourcing from builders, DSA's, real estate agents, and bank branches.

3. Documentation & File Processing

• Assist customers in completing loan application forms and collecting required KYC, income, and property documents.
• Liaise with credit, legal, technical, and operations teams to ensure smooth processing.
• Ensure compliance with bank policies, audit guidelines, and regulatory norms.

4. Coordination with Internal Teams

• Work closely with credit underwriting teams to resolve file queries.
• Coordinate with operations for login, sanction, and disbursement.
• Support post-sanction activities such as documentation execution, ECS/NACH registration, and agreement handling.