Job Description

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

• Acquire new business for secured loans through direct sourcing, connectors, DSAs, and channel partners.
• Meet monthly and quarterly sales targets for loan disbursements and revenue.
• Cross-sell relevant products such as insurance, current accounts, and overdraft facilities.
• Conduct market mapping and competitor analysis to identify emerging opportunities.

2. Team Management

• Lead, train, and motivate a team of Sales Officers/Relationship Managers.
• Monitor sales activities, pipeline, and productivity through regular reviews.
• Guide team members in customer pitching, documentation, and conversion strategies.
• Ensure adherence to sales processes and regulatory guidelines.

3. Credit & Risk Coordination

• Work closely with credit, operations, and risk teams to ensure high-quality portfolio sourcing.
• Screen and evaluate customer financials before recommending cases.
• Ensure proper collateral verification, property assessment, and due-diligence.
• Maintain portfolio health by monitoring early delinquencies and ensuring corrective actions.

4. Customer Relationship Management

• Build and maintain long-term relationships with customers, channel partners, and referral networks.
• Ensure superior customer experience from lead generation to disbursement.
• Resolve escalations and provide timely support to customers and internal teams.

5. Compliance & Documentation

• Ensure all documentation, KYC norms, credit policies, and audit requirements are strictly met.
• Maintain accurate MIS, reports, and dashboards for management review.

Required Qualifications & Skills Education

• Bachelor's degree in Business, Finance, or related field (MBA preferred).

Experience

• 3-7 years of experience in secured business loans / LAP / SME lending.
• Proven track record of meeting and exceeding sales targets.
• Experience in team handling preferred.

Skills

• Strong understanding of SME credit, property funding, and collateral evaluation.
• Excellent communication, negotiation & presentation skills.
• Ability to manage multiple stakeholders and work under pressure.
• Proficiency in CRM tools, MS Excel, and sales reporting.

Key Performance Indicators (KPIs)

• Monthly/Quarterly disbursement targets
• Portfolio quality (delinquency ratios, early bucket performance)
• Lead-to-disbursement conversion ratio
• Channel productivity
• Customer satisfaction & retention
• Compliance and audit score

Skills Required