Sales Officer

Job Title“ Sales / Relationship Officer – Salaried Personal Loan” Location: Raipur, Chhattisgarh Reporting to Manager / Regional Sales Head Job Purpose To drive growth of the salaried-personal-loan portfolio by sourcing, engaging and converting salaried employees in Raipur into borrowers, while ensuring compliance, risk mitigation and high customer satisfaction. Key Responsibilities Source leads of salaried individuals (private, public sector, govt./PSU, MNC) in Raipur region. Build & maintain relationships with channel partners (DSAs, employee-benefit vendors, HR departments of companies) to generate salaried-person personal-loan leads. Qualify leads (check employment status, salary level, tenure, credit history) and submit applications for these borrowers. Explain loan product features (loan amount, tenure, interest rate, EMIs, pre-payment/foreclosure rules, documentation) to salaried applicants. Coordinate with credit, underwriting, operations teams to ensure smooth documentation, approval and disbursement. Achieve monthly / quarterly sourcing / disbursement targets for the salaried personal-loan segment. Monitor portfolio quality: track repayments, early warning signals, ensure minimal defaults. Collect, maintain and update MIS / reports on lead source, conversion ratio, disbursement, delinquency. Provide feedback to marketing/product about market conditions, competitor offerings, borrower needs in Raipur. Qualifications & Skills Graduate (any discipline) from a recognized university. Specific Knowledge in personal-loan/consumer-loan sales, especially salaried-loans segment, banking/finance/ NBFC. Good communication and negotiation skills, especially with HR / company channels / salary banks. Understanding of documentation, eligibility criteria for salaried personal-loans: salary slip, bank statements, employer profile, tenure, credit score etc. Ability to work independently, manage multiple channel partners & leads, meet targets. Familiarity with Raipur / Chhattisgarh market – contacts in companies, DSAs, vendors, employee benefits domain is a plus. Basic computer skills: MS Office, CRM, MIS. Why this role is important in Raipur. As per market research, Raipur (Chhattisgarh) has a growing number of salaried individuals and many banks/NBFCs are expanding personal-loan offerings in this region. For example, one lender in Raipur lists personal loans for salaried individuals aged 21+, minimum income from ~₹15,000/month. Hence, recruiting an experienced Sales Officer Specialized in the salaried segment will help tap into this growing market, build strong channel partnerships, and ensure high-quality loan book in Raipur.