Location: Mumbai (Work from Office + Field Travel in assigned territory)
Function: Sales - Retail Assets (PL/BL/LAP/HL)
Reports to: AVP - Retail Loans (Retail Assets)
About Finzen Fintech
Finzen Fintech is building India's most trusted retail-lending distribution engine. Our multi-sided platform connects DSAs, NBFCs/Banks, and borrowers to deliver paper-light onboarding, intelligent matching, and fast disbursals. We operate under a Master DSA structure with real-time payout visibility and rigorous compliance.
We're hiring a Sales Manager - Retail Loans to lead disbursals across Personal Loans (PL), Business Loans (BL), Loan Against Property (LAP), and Home Loans (HL), by scaling high-quality sourcing funnels and deepening lender relationships.
Role Mission
Own the top-line for your territory: build predictable pipelines, raise conversion, maintain portfolio hygiene, and turn our digital + DSA ecosystem into a compounding growth flywheel.
Key Responsibilities
1) Revenue & Pipeline Ownership
Deliver monthly disbursal targets across PL/BL/LAP/HL; drive product mix to achieve yield and fee goals.
Build and manage a robust lead funnel from DSAs, Finzen Connect app, and direct sourcing; ensure daily activity cadences.
Track performance through CRM dashboards; forecast accurately (weekly/Monthly) and course-correct swiftly.
2) Channel Acquisition & Enablement
Recruit, onboard, and activate DSA partners; run monthly partner scorecards (sourcing, conversion, quality, TAT).
Conduct regular training on documentation, KYC, income assessment, policy changes, and digital tools.
3) Credit, Ops & Lender Liaison
Work closely with Credit to shape file quality (banking, ITRs, GST, surrogates) and reduce pendency.
Coordinate with lender RMs for sanctions, deviations, and offers; manage SLA adherence and policy escalations.
4) Compliance & Documentation
Ensure 100% adherence to RBI Fair Practices Code, KYC/AML norms, and DPDP Act requirements.
Own file hygiene: CPV/TPV, income proofs, legal/technical (for LAP/HL), and audit readiness.
5) Portfolio & Early Collections Hygiene
Monitor early-bucket risk (0-30 DPD) with Ops/Collections; ensure prompt handoffs and root-cause fixes on slippages.
6) Market Intelligence & GTM
Track competitor rates, partner payouts, and product changes; feed insights into pricing, offers, and micro-campaigns.
Run local activations: builder associations, trade clusters, MSME catchments, and community events.
What Success Looks Like (90/180/365 Days)
90 Days: Channel base activated; CRM hygiene at ?95%; lender connects established; first full-month target achieved.
180 Days: 2x pipeline velocity; conversion uplift across PL/BL/LAP/HL; TAT reduced vs. baseline; zero audit exceptions.
365 Days: Territory among the top quartile for disbursals and quality; sustainable DSA engine with predictable MoM growth.
Specific numeric targets will be finalized during onboarding (benchmarks used internally for similar roles will be shared).
Primary KPIs
Monthly Disbursals (?): PL/BL/LAP/HL by product; Processing Fee/Commission (?)