Sales Manager - Secured Business Loans (micro LAP) - Jaipur - Golden Leaf - J - grades

Job Responsibilities

Sales & Business Development

• Achieve monthly and annual sales targets for secured business loan products (LAP, mortgage-backed loans, working capital secured loans, etc.).
• Develop and manage a pipeline of high-quality leads through direct sourcing, channel partners, DSAs, and corporate tie-ups.
• Conduct client meetings, understand financial needs, and recommend suitable secured loan solutions.
• Identify new business opportunities and develop strategies to expand market share.

Team Management

• Support and supervise the sales team/ROs/relationship executives in lead generation, client acquisition, and deal closure.
• Provide regular coaching, performance feedback, and sales training to enhance productivity.
• Track daily sales performance metrics and ensure team adherence to policies and timelines.

Credit & Risk Coordination

• Work closely with credit, legal, and operations teams to ensure timely processing of loan applications.
• Conduct preliminary financial analysis and eligibility assessments before forwarding files to credit.
• Ensure adherence to credit guidelines, documentation standards, and risk policies.
• Maintain high portfolio quality by monitoring early delinquency trends and supporting collection efforts when required.

Relationship Management

• Develop and maintain strong relationships with key clients, channel partners, DSAs, and industry influencers.
• Ensure high customer satisfaction through prompt query resolutions and smooth onboarding.
• Represent the company in local business events and networking forums as needed.

Reporting & Compliance

• Prepare daily/weekly/monthly MIS reports covering sales performance, pipeline status, and market insights.
• Ensure compliance with regulatory requirements and internal audit standards.
• Keep updated with market trends, competitor offerings, and product developments.

Required Skills & Competencies

• Strong knowledge of secured lending products (LAP, mortgage loans, working capital secured loans, SME finance).
• Understanding of financial documents, credit evaluation parameters, and property assessment.
• Excellent communication, negotiation, and relationship-building skills.
• Ability to lead and motivate a sales team.
• Proficiency in CRM tools and MS Office.

Qualifications

• Graduate or Postgraduate in Business, Finance, or related field.
• 4–8+ years of experience in secured business loans/LAP/SME lending; at least 1–2 years in a supervisory or team lead role.

Key Performance Indicators (KPIs)

• Sales target achievement (value & volume).
• Lead-to-disbursement conversion ratio.
• Portfolio quality (delinquency levels).
• Productivity of managed team.
• Growth in channel partner network.