18 Unsecured Lending Jobs

Digital lending PL Product designing, strategy implementation for PL Only digital PL products designing experience is preferred with Basic understanding of Risk analysis ,credit analysis, portfolio management Lifecycle management HR- 8855045944

Role & responsibilities Preferred candidate profile

Area Sales Manager Personal Loans Location: Bangalore (Koramangala, near Forum Mall) Age Limit: Up to 35 years CIBIL Score: Minimum 650 Ticket Size: Up to 30 Lakh Key Responsibilities: Drive sales growth and client acquisition through direct and DSA sourcing. Identify, segment, and approach potential clients with customized loan offers. Build strong relationships with DSAs to boost unsecured loan volumes. Ensure faster loan sanctioning by collaborating with internal teams. Track and report sales productivity and operational metrics. Maintain SLA adherence and recommend process improvements. Support business development initiatives and contests to foster a high-performance sales culture.

We're hiring driven professionals with strong field presence, referral-based lead generation skills, sales funnel knowledge and proven target achievement plus quick adaptability to company's loan processes and high financial integrity.

Greetings..!!! Please find out the JD for your reference Role: Regional Sales Manager Product-Unsecured business loan

Designation-Relationship Manager/Sales Manager/Area Sales Manager Product-Loan against property/Unsecured Business loan Location- Hyderabad/Vizag/Vijaywada Team handling/ DSA Vertical

Key Responsibilities: Team Management: Lead, train, and supervise a team of collection executives or agents. Set monthly targets and monitor team performance. Ensure adherence to quality standards and call scripts. Collection Strategy: Develop and implement effective recovery strategies for personal loan accounts. Segment delinquent accounts (30+, 60+, 90+ DPD) and design focused action plans. Coordinate with legal teams for escalated cases (e.g., settlements, litigation). Portfolio Management: Monitor overdue accounts, track collection metrics, and reduce NPAs. Review MIS reports and identify trends, root causes, and opportunities for improvement. Collaborate with credit and risk teams to refine underwriting and approval processes. Customer Interaction: Resolve customer disputes and grievances tactfully and within regulatory frameworks. Ensure collection efforts are empathetic, ethical, and customer-friendly. Compliance & Reporting: Ensure adherence to RBI guidelines and company policies. Maintain documentation of interactions, recovery efforts, and settlements. Submit regular reports to senior management on collection progress and challenges. Qualifications: Education: Bachelor's degree (required); MBA or relevant certification (preferred) Experience: 58 years in retail finance collections, preferably in personal loans Skills: Strong leadership and interpersonal skills Analytical and decision-making ability Knowledge of local laws and recovery procedures Proficiency in MS Office and collection software/CRM tools Key Performance Indicators (KPIs): Reduction in DPD/Delinquency ratios Recovery rate and resolution efficiency Number of accounts settled/closed Team productivity and target achievement Compliance and audit scorecards

The position offers excellent exposure and growth potential to a professional who would like to join the core team engaged in setting up a new nationwide organization, and participate in its growth. The position involves setting up the DSA network for the sales function in NeoGrowth, and will be the responsible for identifying, selecting and appointing DSA network as well as monitoring. 1. To grow the retail loan business and achieve the targeted loan book size. 2. To increase the productivity in terms of value and number of loan disbursals as a team. 3. To optimize the cost of merchant acquisition per disbursal. 4. To increase the income from each merchant acquisition. 5. Identifying, Recruiting and Driving channel partners & DSTs on a continuous basis to ensure continuing sales growth. 6. Responsible for generating business through DSAs/DSTs. 7. Should have direct experience in working out & negotiating commercial agreements. 8. Ensuring basic business quality parameters such as TAT, Lead Management etc maintained by the team 9. Ensuring basic Sales Process in the team by imparting continuous Product and Process training for the front end team, setting individual Sales Target and Monitoring regular productivity etc 10. Recruitment and Training of FOS, 11. Experience in designing incentive plans, motivational programmes and engagement activities. 12. Sphere-heading various awareness and lead generating activities done by the team (such as Road Shows) in order to increase the inflow of customer enquiry which further resulting into increased business volume 13. Accountable for the profitability of the channel and productivity of team members 14. Exposure to fraud prevention and detection 15. Coordinating with collection department in resolving non starters and delinquency cases. 16. Incorporating various check-points within the sales process of the team to ensure quality sourcing by the team ensuring acquisition of quality assets. Qualification & Experience Graduate in Commerce/Science 10 to 15 years of experience in a Bank/Insurance company or a NBFC out of which atleast 5 to 7 years of retail loan selling is a must. Management degree in finance/business from reputed institute will be given preference. Job Profile

Position-Sales Manager-Unsecured Business Loan (DSA)

Drive sales of Unsecured Business loan via DSAs & open market. Handle lead generation, customer acquisition, documentation, and disbursement. Ensure portfolio quality, track competition, and maintain MIS & sales pipeline for business growth

Role & responsibilities: This position would include the mentioned set of responsibilities but not limited to: Underwriter corporate card applications which includes interpreting and analyzing financial statements, understanding and having an informed view of the borrowers credit facilities from BoB, interpreting the CIBIL and CMR reports amongst others. Should have good understanding on legal aspects of documentation requirements w.r.t application form, board resolution, undertakings, auto-debit mandates etc. Should be able to decision correctly and properly in terms of assigning corporate card limits balancing risk management norms along-with facilitating adequate corporate spends. Should be able to mentor and coach team-members to help improve the quality of approval notes and the teams ability to correctly analyze financial information. Should be able to effectively and with clarity address queries from sales Teams and should work towards minimizing the same. Underwrite corporate card applications through a holistic approach involving taking a 360- degree view of the corporate including the industry in which it operates, news & updates related to the corporate and any information which is discernible through social media. Should working towards clearing pendencys without compromising on quality. Should also be able to contribute in improving and further building of MIS and dashboarding pertaining to corporate card underwriting. Applicants should possess the following attributes: Minimum experience in underwriting at a manager level position in unsecured lending (cards/PL) in corporate underwriting with a reputed Bank/NBFC. Good understanding of interpreting / analysis of financial statements and treatment of various line items appearing in the balance sheet and P&L and supporting schedules. Has worked extensively in the corporate lending space and has the ability to read the fine print in financial statements. Would be an added advantage if has awareness of thirdparty credible and reliable sources for retrieving key corporate financial data. Has knowledge for essential risk related norms pertaining to underwriting especially in the corporate card/corporate lending space. Brings with him an understanding and awareness of best practices in unsecured underwriting, corporate lending and has an informed view on competition benchmarking including acceptable industry level TAT for underwriting corporate proposal.

Role: Portfolio Relationship Manager Department: Portfolio Management Reporting to: Vice President - Head of Portfolio & Business Management (WSL) Coverage Job Location: Noida, India Overview of the Job Portfolio management in lending involves overseeing and optimizing a portfolio of loans to balance profitability, risk, and growth. This role is critical in financial institutions, including banks, NBFCs, and lending fintechs. Below is an overview of the responsibilities, skills, and key functions associated with this role. Overview of the Function This function supports business growth through effective financial advisory and risk management. Best Things about the Job Working in a highly entrepreneurial setup with a visionary team passionate to help scale new heights of business success Exposure to exploring limitless possibilities and ideas no matter how impossible they may seem today CredAble thrives on transparency and a culture to nurture growth Being part of CredAble enables you to push beyond the ordinary Your Role at CredAble Manage the existing Portfolio Relationships as assigned Lead the Vendor Onboarding for Anchor downs, documentation, KYC and other operational requirements Participate in borrower Renewals, Enhancements on a regular basis Interaction with Internal stakeholders like risk ops, Finance, Lending, Credit, etc. on an everyday basis Assuring maximum utilization of sanctioned limits Cross sell different products like PO, Trade, Trip Financing, etc. Ensuring Portfolio health, monthly & quarterly compliances for borrowers and tranche collections on due dates. Individual contributor role (I-C Role) What will you bring to CredAble? Proven track record of managing all aspects of a successful product throughout its lifecycle Fluent in giving presentations to top-level management Skilled at working effectively with cross-functional teams in a matrix organization Ability to be a self-starter and think strategically to independently drive business origination in the assigned market Structured and ability to think on his/her feet. Education MBA in Sales/Marketing education background preferred.

At Palni , we are seeking an experienced Commercial Credit Underwriter to support our US clients credit team. This role is pivotal in managing commercial underwriting, pricing, loan performance, and collections , with a direct impact on customer-level P&L . As part of our Credit Team , you will make data-driven business decisions to optimize lending margins while leveraging analytics to refine policies and pricing strategies. Key Responsibilities: Analyze financial data to assess the creditworthiness of small to mid-sized businesses . Apply underwriting expertise to make informed credit decisions within existing policy frameworks. Engage directly with customers to understand their business models and borrowing needs . Independently manage an underwriting pipeline , ensuring efficient decision-making. Drive improvements in underwriting policies and procedures as needed. Collaborate with credit/risk teams and leadership to enhance automated credit decisioning. Maintain strong relationships with internal stakeholders and management . Qualifications & Skills: Bachelor’s degree required (preferably in a business-related field). 5+ years of professional experience in small business lending underwriting . Proficiency in analyzing financial documents , including tax returns, bank statements, financial statements, and credit reports . Strong understanding of business underwriting principles, small ,small business lending risks, and lending regulations . Excellent written and verbal communication skills with the ability to present financial data clearly. Strong analytical and problem-solving skills with a detail-oriented mindset. Comfortable working in a fast-paced environment with minimal supervision. Ability to work independently and deliver high-quality results.

Plans effectively around delivery constraints and optimizes the plan to maximize benefits and minimize risk. Ensures the baselined scope, requirements, benefits, schedule and budget are managed as outlined in the change frameworks Proactively monitors project execution to effectively identify risks/issues/dependencies as they arise throughout the project lifecycle. Collaborates and builds positive stakeholder relationships, providing regular updates, obtains buy-in from the project sponsor, Steering Committee and other stakeholders for all key project plans, commitments, and changes including requirements Analyses management reports, and derives insights to drive the right business decisions Manages Change Adoption to ensure the change lands well and sticks, contributing to benefits realization. Produce well-defined project plans, identifying the key milestones and assigning responsibilities / resources in line with the Global Transformation Project Management Framework. Provides timely reports on project status, risks and issues, evaluating project performance based on management information using standardized metrics and templates in Clarity Maintains project change control, ensuring any changes to baseline are managed through change requests and all impacts are considered Domain knowledge on any of the following: Retail Banking, Commercial Banking, Risk, Compliance, Payments- Understanding of the purpose, value, culture and fundamentals of Global Transformation Relevant experience with complex projects across countries or region Organizational skills and ability to pick up work right away Understanding of the banking and/or financial services industry and/or shared services organizations Delivering significant change and collaboration with stakeholders across locations Ability to interact and influence stakeholders at an appropriate level. Problem solving ability with adherence to deadlines and tight timeliness Experience in project tracking (setting up project plan, managing risk and issue log, reporting and governance) Experience in Change Adoption processes - Plan and implement change intervention to enable smooth transition and embed changes and transition to business as usual, from requirements gathering, communications through to training the final user Experience with transformation changes Design & Initiation (D&I) is an advantage Role & responsibilities Preferred candidate profile Perks and benefits

Job description: Deputy Regional Sales Manager (SME DSA) Roles and Responsibilities: Drive Disbursement Target vs Achievement- as per expected target shared monthly. Maximize sales through a network of DSA by effectively managing connector and builder relationships to ensure strong business Manage digital/DSA leads of the desired locations/regions and get the leads logged in via agency Ensuring usage of Digital Processes during the disbursals process. Manage customer queries during the onboarding process. Develop and maintain strong liaisons with the DSA's/Channel partners for repeat business or referrals. Desired Candidate Profile: 5-10 years of experience in Unsecured Business Loan into handling DSA channels. Excellent Team Handling and Problem Solving ability Graduation is a must

Urgent Hiring for !!! Sales Manager !!! for one of the leading private sector finance company. BUSINESS LOAN Key Responsibilities :- To manage a team of sales Associates To control shrinkage and attrition of sales team Team Lead needs to monitor calls and provide regular coaching and mentoring to sales associates and track low performers in team. Need to ensure CMS reports related to team staffing, AHT etc are maintained. Track AUX adherence and ensure discipline is maintained within the team. Drive sales and ensure achieving the same Month on Month. Identifying training requirements within the team and getting the training conducted To work on overall team development. Skill Set:- Excellent communication skills (verbal and written) Should be aware about lending concepts. Should have good interpersonal skills Educational Qualification:- Graduate/Postgraduate in any stream Experience Minimum :- 2 to 3-year experience in Tele - Sales (Preferably for BUSINESS LOAN only ) Interested candidates can connect GIRIJA : 022-40697703 / 9321557930 Email id : qcnaukri9@gmail.com

Role & responsibilities Role & responsibilities We are looking for a dynamic and results-driven Sales Manager Personal Loans to drive business growth through Direct Selling Agents (DSA) and (DST) sales channels. The ideal candidate will have a strong background in personal loan sales, excellent relationship management skills, and a proven track record of achieving sales targets. Key Responsibilities: Business Development: Identify, onboard, and manage DSA & DST s to generate personal loan business. Sales Target Achievement: Drive sales and ensure monthly and annual targets are met. Market Expansion: Develop strategies to expand the DSA network and DST enhance market penetration. Relationship Management: Build and maintain strong relationships with DSAs, DST, customers, and financial institutions. Compliance & Documentation: Ensure all loan applications comply with company policies and regulatory guidelines. Team Coordination: Work closely with internal teams for smooth loan processing and disbursement. Market Analysis: Monitor industry trends and competitor activities to identify business opportunities. Key Requirements: Experience: Minimum 2+ years in personal loan sales, preferably managing DSA and DST. Industry Exposure: Prior experience in banking, NBFCs, or financial services is highly desirable. Sales Skills: Strong negotiation, communication, and relationship management skills. Target-Driven: Ability to work under pressure and achieve sales goals. Education: Any Degree Benefits: Attractive incentives based on performance Career growth opportunities within the organization Exposure to a dynamic and fast-growing financial market If you are passionate about sales and have a proven track record in personal loan sales with DSA & DST management, we would love to hear from you! Preferred candidate profile Perks and benefits

Job Description- Cluster Sales Manager Sales & Profitability To drive Business Loan (un secured) business through DSA & DST Open Market. To develop sales growth strategy, target market identification, mapping company's offerings to market needs in a fast-paced environment To do sales budgeting. i.e. Based on the business target Decide on Manpower required & its salary costing, Incentive structure & Targets To develop and execute business plans for achieving the targets of the BL Business Development To create and drive alternate channels for Sales along with the regular channels To open up avenues for business through corporate channel To Scan the National market and its competitive offerings on a periodic basis; report on emerging trends and business opportunities for the consumer business. Should give a quarterly update on various Salaried Personal Loan products in the markets offered by competitors Business Development initiatives To understand the market dynamics and accordingly suggest Credit & product team in devising competitive pricing structure periodically Role & responsibilities Preferred candidate profile Perks and benefits