Job Description

Degree Level: Bachelor's Degree
: Key Responsibilities 1. Sales & Business Development

• Drive sales targets for Secured Business Loans (SBL), including property-backed loans, loan against property (LAP), working capital loans, and equipment loans.
• Generate new business leads through cold calling, references, channel partners, and market networking.
• Identify potential clients (SMEs, MSMEs, traders, manufacturers, service businesses) and design structured loan solutions based on their needs.
• Conduct market mapping to identify new opportunities in assigned territories.

2. Team Management

• Lead, mentor, and motivate a team of Sales Executives/Relationship Officers to achieve monthly and quarterly targets.
• Provide regular training and support on product knowledge, sales techniques, and compliance.
• Monitor team productivity and guide them in improving lead conversion ratios.
• Conduct joint client visits with team members for high-value prospects.

3. Credit & Risk Assessment

• Ensure thorough due diligence of customer profiles, financial statements, banking behavior, property documents, and credit bureau reports.
• Coordinate with credit teams to ensure smooth underwriting and quick turnaround time.
• Maintain portfolio quality by ensuring adherence to credit policies and identifying early warning signals.

4. Relationship Management

• Build long-term relationships with customers, channel partners, DSAs, connectors, and builders.
• Handle customer queries, negotiate terms, and close high-value deals.
• Ensure high customer satisfaction and repeat business.

5. Compliance & Reporting

• Maintain accurate MIS, daily activity reports, and sales pipeline updates.
• Ensure compliance with all internal policies, RBI guidelines, KYC norms, and audit requirements.
• Review documentation to ensure completeness and accuracy before loan file submission.

Key Skills & Competencies

• Strong understanding of Secured Business Loans / LAP products
• Good knowledge of financial analysis and credit assessment
• Excellent communication and negotiation skills
• Leadership and team management abilities
• Ability to drive sales and meet targets
• Strong relationship-building and networking skills
• Market awareness and competitive intelligence
• Proficiency in CRM, MS Excel, and sales reporting tools

Qualifications & Experience

• Bachelor's degree in Business, Finance, Marketing, or a related field; MBA preferred.
• 4-8 years of experience in Secured Business Loans / LAP / SME loans.
• Proven track record of meeting sales targets and managing a sales team.
• Experience in NBFCs, Banks, or Financial Institutions.

Performance Indicators (KPIs)

• Monthly/Quarterly SBL disbursement target achievement
• Lead conversion ratio
• Portfolio quality (NPA levels)
• Turnaround time (TAT) for file processing
• Team performance metrics
• Customer acquisition & retention

Skills Required