Area Sales Head - Lucknow

Role overview

This position is responsible for leading sales performance in the Lucknow location for the mortgages business. The role focuses on growing the customer base, expanding loan volumes, strengthening channel partnerships, improving customer service, and ensuring disciplined risk and operational control.

Key result areas

The job is centered on delivering sales growth, building a stronger distribution network, enhancing customer experience, and supporting sound risk management while also developing the team.

• Identify growth opportunities in the assigned location and create strategies for direct business, retail DSAs, and new customer acquisition so area targets are achieved.
• Increase mortgage lending volumes in the region, maintain customer databases, and activate them through relationship managers.
• Build strong relationships with important clients, improve turnaround time, and promote cross-selling to expand the area’s customer base.
• Track lead generation and RM productivity metrics to build a high-performance sales environment across the region.
• Study product positioning and competition in the market, then use those insights to improve the distribution network.
• Review the local market regularly, identify industry trends and mortgage business opportunities, and share findings with head office.
• Work closely with retail DSA partners and create a touchpoint management approach for quicker customer reach.
• Run engagement programs and sales training sessions for channel partners.
• Monitor service-level agreements, channel efficiency, sales productivity, and return on investment.
• Deploy schemes effectively and focus on selling higher-value products and structures.
• Improve customer satisfaction through relationship managers by monitoring service standards and encouraging relationship-focused marketing programs.
• Promote better processes and best practices to raise operational productivity.
• Maintain periodic contact with key customers to deepen relationships and support business growth.
• Track customer complaints and issues and ensure timely corrective action.
• Support risk and review activities by overseeing loan proposal preparation and documentation for controlled operations.
• Coordinate with customers and the risk team to provide information needed for assessing proposal creditworthiness.
• Prepare regular MIS updates on profits, NPAs, and new customers for reporting to Cluster Area Heads.
• Guide and develop relationship managers so they can improve acquisition, retention, support, and overall performance.
• Nominate team members for product, behavioural, and negotiation training, and encourage self-development initiatives.

Direct report purpose

The direct report for this role is the Relationship Manager, whose objective is to support growth in the mortgages business by selling products and solutions, strengthening retail DSA connectivity, driving customer and channel acquisition, building strong relationships, and ensuring loan structuring aligns with local market needs.

Compliance and control

All sales activity must follow internal policies and regulatory requirements. The role also requires proper due diligence to prevent fraudulent loans and ensure disciplined process execution.

Additional information

The source provided the instruction to frame key result areas and supporting actions for the role. A maximum of 10 KRAs may be updated.

Location: Lucknow, Uttar Pradesh, India.