Sales Manager -Unsecured Business Loans- 9.5 lacs

Role Summary

Key Responsibilities

• Team Leadership & Targets

  : Recruit/train sales executives; achieve 10-20 Cr monthly disbursals. Set individual targets (20-30 leads/day/executive, 15% conversion). Conduct daily huddles and weekly reviews.

• Sales Pipeline Management

  : Source leads via DSA networks, field visits, bank referrals, and digital campaigns. Qualify SMEs (turnover 1-10 Cr, 1-3 yr vintage). Achieve 25% YoY portfolio growth.

• Deal Structuring

  : Assess creditworthiness using CIBIL, bank statements, ITRs. Structure loans (12-36 months, 16-24% IRR) with minimal collateral. Negotiate terms, overcome objections.

• DSA/Channel Partnerships

  : Onboard/manage 50+ DSAs; run incentive schemes (1-2% commission). Activate bank tie-ups for lead flow (e.g., current account holders).

• Compliance & Collections

  : Ensure 100% KYC/RBI adherence, PAR 3%. Early warning on NPAs; coordinate with collections for overdue accounts (30 DPD).

• Reporting

  : Maintain CRM dashboards (leads, conversion, ROI). Monthly P&L reviews with leadership.

Required Qualifications & Experience

• Education

  : Graduate (B.Com/MBA Finance preferred); basic certification in lending/NBFC operations.

• Experience

  : 4-7 years in unsecured SME lending sales (Bajaj Finserv, Lendingkart, Capital Float). Track record of 50 Cr+ annual disbursals.

• Skills

  : Advanced Excel, CRM tools. Malayalam + English fluency. Strong negotiation, relationship management.

Gopakumar@9562184455