State Head

Role Overview

We are seeking an experienced and high-performing State Head – Loan Against Property (LAP) to lead and expand our secured lending business across Hyderabad. The ideal candidate will have deep market knowledge, a proven track record in building and scaling LAP portfolios, and strong leadership capabilities. This role is responsible for driving business growth, developing distribution channels, managing sales teams, and ensuring high-quality portfolio performance.

Key Responsibilitie

sBusiness Growth & Sale

• sDrive the overall Loan Against Property (LAP) business for Hyderabad and achieve assigned business targets
• .Develop and execute market expansion strategies to increase market share and profitability
• .Build a strong pipeline through direct sourcing, DSAs, connectors, referral partners, and strategic alliances
• .Identify new business opportunities and strengthen the company's presence in the Hyderabad market

.Team Leadershi

• pLead, mentor, and manage the Hyderabad LAP sales team to consistently achieve business objectives
• .Recruit, train, and develop high-performing sales professionals
• .Monitor team performance through regular reviews, coaching, and performance management

.Channel Developmen

• tBuild and strengthen relationships with DSAs, connectors, builders, property consultants, and other business partners
• .Expand and manage a productive channel partner network to drive sustainable business growth

.Portfolio & Credit Qualit

• yEnsure sourcing of high-quality business while maintaining portfolio health
• .Coordinate closely with Credit, Legal, Technical, Operations, and Collections teams to ensure smooth loan processing and timely disbursement
• .Monitor delinquency levels and implement corrective actions to maintain portfolio quality

.Market Intelligenc

• eTrack market trends, customer preferences, and competitor activities to identify growth opportunities
• .Recommend new strategies and initiatives to strengthen the company's competitive position

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Desired Candidate Profi

• leMinimum 8+ years of experience in the Banking, NBFC, or Financial Services industry, with at least 5+ years of hands-on experience in Loan Against Property (LAP)/Mortgage Loan
• s.Proven success in sourcing, scaling, and managing secured lending portfolio
• s.Prior experience in a leadership role for LAP or Mortgage Loan
• s.Strong understanding of the LAP market, customer segments, and competitive landscap
• e.Established network with DSAs, connectors, builders, property consultants, and key market influencer
• s.Strong knowledge of credit assessment, property evaluation, secured lending processes, and risk managemen
• t.Demonstrated ability to lead teams, achieve aggressive business targets, and build high-performing sales organization
• s.Excellent leadership, communication, negotiation, stakeholder management, and analytical skill

s.
Educational Qualificat

• ionBachelor's degree in Business, Commerce, Finance, or a related discipli
• ne.MBA or Postgraduate qualification in Management/Finance is preferr

ed.
Key Sk

• illsLoan Against Property (LAP), Mortgage Loans, Secured Lending, Business Development, State Sales Management, Team Leadership, Sales Strategy, Channel Partner Development, DSA Management, Relationship Management, Portfolio Management, Credit & Risk Understanding, Market Expansion, Hyderabad Market Expertise, Target Achieve