Job Description

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

• Achieve monthly and quarterly targets for secured business loan disbursements.
• Develop and implement district-level sales strategies to grow market share.
• Identify high-potential markets, customer segments, and channel partners.
• Ensure consistent lead generation and pipeline management across the team.

2. Team Leadership & Performance Management

• Recruit, train, and mentor Relationship Managers and Sales Officers.
• Conduct regular performance reviews, field coaching, and joint client visits.
• Drive productivity metrics such as login-to-disbursement ratio, ticket size, and conversion.

3. Channel Management

• Build and nurture relationships with DSAs, connectors, CA networks, property consultants, and other intermediaries.
• Ensure channel activation, transparent engagement, and timely payouts.
• Resolve partner issues and ensure smooth process flow.

4. Customer Management

• Oversee customer sourcing, profiling, and needs assessment.
• Ensure high-quality service throughout the loan cycle-from application to disbursement.
• Address escalations and maintain strong customer satisfaction scores.

5. Credit & Risk Management

• Work closely with credit teams to ensure high-quality sourcing and documentation.
• Review credit proposals, FOIR calculations, collateral valuation, and compliance documents.
• Maintain a healthy portfolio with low delinquency and NPAs.
• Ensure adherence to internal policies, regulatory norms, and KYC/AML guidelines.

6. Process & Operational Efficiency

• Monitor TAT across stages-login, sanction, and disbursement.
• Improve process bottlenecks through coordination with credit, operations, and legal teams.
• Maintain accurate MIS reporting and forecast sales performance.

Key Skills & Competencies

• Strong knowledge of secured business loans, LAP, and MSME lending.
• Excellent understanding of credit underwriting, financial statements, and collateral evaluation.
• Proven sales leadership and team-management skills.
• Strong negotiation, communication, and relationship-building ability.
• Analytical mindset with strong problem-solving capabilities.
• Ability to work under pressure and manage multiple priorities.

Qualifications & Experience

• Graduate/MBA preferred.
• 5-10 years of experience in MSME/SME lending, with at least 2-3 years in a leadership role.
• Experience in secured lending (LAP, machinery loans, property-backed loans) is mandatory.

Key Performance Indicators (KPIs)

• Disbursement volumes vs. targets
• Portfolio quality (delinquency, bounce rates, NPAs)
• Team productivity and retention
• Channel partner contribution and activation
• TAT and customer satisfaction

Skills Required