Job Description

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

• Achieve monthly/quarterly business targets for Secured Business Loans (SBL/LAP).
• Drive new customer acquisition through direct sourcing, DSAs, connectors, and referrals.
• Identify market opportunities and develop strategies to increase SBL market share.
• Conduct regular market mapping and competitor analysis.

2. Team Management

• Lead, motivate, and manage a team of Sales Officers/Relationship Managers.
• Provide training, coaching, and field support for lead generation and conversions.
• Review performance, pipeline, and productivity metrics regularly.
• Ensure team adherence to sales processes and documentation norms.

3. Credit & Risk Coordination

• Work closely with credit teams to ensure high-quality sourcing aligned with policy.
• Oversee customer profiling, documentation, and pre-screening.
• Ensure portfolio quality by monitoring delinquency, early warning signals, and customer behavior.
• Support credit underwriting by providing on-ground insights and customer verification.

4. Channel & Partner Management

• Onboard, manage, and grow DSA/Connector networks for SBL products.
• Maintain strong relationships with existing partners to ensure consistent business flow.
• Ensure compliance with regulatory and company policies for all external channels.

5. Customer Relationship Management

• Ensure superior customer experience across the loan lifecycle.
• Resolve escalations, service issues, and post-disbursement queries.
• Build long-term relationships with high-value clients and influencers.

6. Reporting & Compliance

• Maintain MIS on productivity, pipeline, conversion ratios, and market insights.
• Ensure 100% compliance with internal policies, KYC norms, and regulatory guidelines.
• Provide inputs for improving sales processes and product offerings.

Key Skills & Competencies

• Strong knowledge of Secured Business Loans/LAP products.
• Experience in sales, team handling, and channel management.
• Good understanding of credit assessment, financial statements & collateral evaluation.
• Excellent communication, negotiation, and relationship-building skills.
• Target-driven mindset with strong execution capability.
• Proficiency in CRM tools and MS Office.

Qualifications & Experience

• Graduate / MBA preferred.
• 4-8 years of relevant experience in Secured Business Loans or LAP sales.
• Experience in team leadership / supervisory roles is an added advantage.

Work Environment

• Field-intensive role with regular customer and channel visits.
• May involve travel within assigned territory/city.

Skills Required