Sales Manager - Secured Business Loans (Micro LAP) - Kota - Wonder View - J-Grades

Key Responsibilities

1. Sales & Business Development

• Achieve monthly, quarterly, and annual sales targets for secured business loan products.
• Source high-quality leads through direct channels, DSA/aggregators, connectors, and corporate partnerships.
• Conduct market research to identify new business opportunities and customer segments.
• Drive branch-level business activities, events, and local marketing initiatives.

2. Team Management

• Supervise and guide a team of Sales Officers / Relationship Managers.
• Provide training on product knowledge, lead sourcing techniques, and credit guidelines.
• Monitor team performance, set KPIs, and ensure productivity.
• Conduct regular field visits and joint calls with team members.

3. Customer Relationship Management

• Build strong relationships with SME clients, property owners, and key decision-makers.
• Ensure seamless customer onboarding, documentation support, and post-sanction follow-ups.
• Address customer grievances and ensure high service standards to improve NPS and referrals.

4. Credit & Risk Coordination

• Ensure leads meet eligibility criteria and product policies before submitting to credit teams.
• Work closely with credit, legal, technical, and operations teams to ensure smooth processing and disbursement.
• Minimize TAT by proactively resolving documentation or compliance gaps.
• Ensure portfolio quality with a focus on low delinquency and high customer retention.

5. Compliance & Reporting

• Ensure adherence to company policies, RBI regulations, and KYC/AML norms.
• Maintain accurate MIS reports-lead funnel, conversions, channel performance, and team productivity.
• Present business performance and market insights to senior leadership.

Required Qualifications & Skills

Education

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

Experience

• 4-7 years of experience in secured lending products-LAP, SME secured loans, mortgage-backed loans, or commercial property loans.
• Experience in leading small sales teams is preferred.

Skills

• Strong sales and negotiation capabilities.
• Deep understanding of secured lending, documentation, and credit assessment.
• Good network of DSAs, connectors, and SME market contacts.
• Excellent communication, analytical, and leadership skills.
• Ability to work in a target-driven and fast-paced environment.

Key Performance Indicators (KPIs)

• Achievement of monthly/quarterly sales targets.
• Lead conversion ratio.
• Portfolio quality and delinquency metrics.
• TAT for login-to-sanction and sanction-to-disbursement.
• Team productivity & retention.

Compensation

• Competitive salary based on experience.
• Performance-based incentives.
• Allowances: Travel, communication, and other role-specific benefits.