Home Loan Sales ExecutiveSkills & Competency Framework

Knows the lender's product range, interest structures (fixed/floating), processing fees, and eligibility and property-type policy, plus the basics of RBI/NHB fair-practice norms. Explains EMIs, tenure and part-payment clearly to customers.

Handles rate comparisons, processing-fee pushback and balance-transfer poaching with facts rather than reflexive discounting. Protects margin and the file while keeping the customer's trust, and knows when to escalate for an approval.

Follows KYC, fair-practice and anti-mis-selling norms — accurate disclosures on rate, fees and charges, no forged or inflated documents, and vigilance against application fraud. Treats compliance as protecting the customer and the lender, not a hurdle.

Builds durable sources of business — builder desks, DSAs, CA and property-broker referrals, and repeat/referral customers — rather than relying on one-off leads. Nurtures these relationships so the pipeline compounds over time.

Owns monthly login and disbursement targets and works back from them with disciplined pipeline math. Sustains high field activity through rejections and seasonal swings without cutting corners on quality or compliance.