Job Description

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

• Achieve monthly, quarterly, and annual sales targets for the Secured Business Loan vertical.
• Generate new business through direct sourcing, channel partners, DSA/DST networks, and corporate tie-ups.
• Identify and penetrate new markets, customer segments, and business opportunities.
• Conduct sales presentations, customer meetings, and negotiations to close high-value deals.
• Manage product positioning to maximize business growth and customer reach.

2. Team Management

• Lead, mentor, and motivate a team of Sales Executives / Relationship Managers.
• Set clear targets, track performance, and provide training and coaching for skill development.
• Monitor sales productivity, pipeline movement, and deal closures.

3. Credit & Risk Coordination

• Ensure high-quality sourcing by screening applications before submitting to credit.
• Work with the credit and risk teams to improve approval ratios and portfolio health.
• Monitor delinquency, early warning indicators, and implement corrective actions.
• Ensure adherence to internal credit policies, regulatory guidelines, and KYC norms.

4. Customer Relationship Management

• Maintain strong relationships with key customers to drive repeat and referral business.
• Resolve customer queries, escalations, and post-disbursement issues in coordination with operations teams.
• Ensure excellent customer experience at all touchpoints.

5. Market & Competitor Intelligence

• Track competitor offers, pricing, and market shifts to adjust strategy accordingly.
• Provide regular feedback to product and management teams to enhance offerings.

Key Skills & Competencies

• Strong knowledge of secured lending products (LAP, mortgage-backed loans, SME loans).
• Excellent sales, negotiation, and closing skills.
• Ability to build and manage channel networks (DSA/DST).
• Team leadership and performance management capability.
• Good understanding of credit analysis and loan documentation.
• Strong communication, relationship-building skills, and customer focus.
• Proficiency in MS Office, CRM tools, and digital lending platforms.

Qualifications & Experience

• Bachelor's degree in Business, Finance, or related field; MBA preferred.
• 4-8+ years of experience in secured business loans / LAP / SME lending.
• Proven track record in managing a sales team and meeting loan disbursement targets.
• Experience in NBFC/BFSI sector preferred.

Key Performance Indicators (KPIs)

• Monthly disbursement volumes
• Lead-to-disbursement conversion ratio
• Portfolio quality (NPA %, delinquency %)
• Team productivity and retention
• Customer satisfaction / repeat business metrics
• Channel partner activation and contribution

Skills Required