You will own retail mortgage originations across your designated territory, building high-conversion distribution channels through real estate developers, property brokers, and direct retail networks. This is an autonomous, remote role built for an operator who understands mortgage credit fundamentals, moves applications rapidly through the funnel, and knows how to scale a disbursement pipeline from day one.
Responsibilities
Drive retail housing loan originations across your assigned territory to consistently hit and exceed monthly disbursement quotas.
Identify, onboard, and scale distribution relationships with direct selling agents (DSAs), real estate brokers, and builder networks.
Oversee file progression end-to-end, from lead intake and document collection to credit approval, sanction, and disbursement.
Partner directly with internal credit, legal, and technical underwriting teams to resolve exceptions and shorten turnaround time (TAT).
Track territory market conditions, builder project launches, competitor pricing, and regulatory shifts to capture local market share.
Maintain absolute compliance with KYC, AML, credit policy standards, and regional lending regulations on every submitted file.
Requirements
3–6 years of direct experience originating housing loans (HL) or loans against property (LAP).
Documented history of meeting or exceeding monthly retail loan disbursement targets.
Thorough technical grasp of property title verification, legal documentation, credit appraisals, and income assessment methods.
Established skill in pre-screening borrower profiles, financial statements, and tax returns to minimize rejection rates at credit review.
Self-directed operational discipline with the ability to manage a distributed partner network effectively in a remote environment.
Nice-to-Haves
An active, transferable network of Tier-1 and Tier-2 builder tie-ups or high-volume DSAs in your regional market.
Prior experience working within a digital-first mortgage platform, fintech, or technology-enabled NBFC.
Experience structuring loans for self-employed, informal-income, or non-standard borrower segments.
What We Offer
Competitive base salary with an uncapped, monthly performance incentive model tied directly to funded volume.
True remote autonomy backed by modern digital lending infrastructure and dedicated file-processing support.
Home office setup allowance, mobile/broadband reimbursement, and comprehensive family health coverage.
Clear progression pathways into multi-territory and regional sales leadership.