Business Manager LAP

AU SMALL FINANCE BANK; Bikaner; On-site; INR 600,000 - 900,000; Full time

Job summary

AU Small Finance Bank Limited is seeking a Business Manager MBL to drive growth in the assigned area and service existing clients. The role emphasizes field-based prospecting, client engagement, and coordinated lending processes.

You will oversee sourcing to disbursement, work with credit and collections teams to manage risk, and ensure accurate MIS reporting. Strong communication and local area knowledge are essential for success.

Qualifications

• Professional communication in regional language with verbal and written fluency.
• Client-centric relationship management and respectful communication.
• Ability to negotiate and resolve conflicts with stakeholders.

Responsibilities

• Achieve 100% of assigned business targets (volume and value).
• Identify new business prospects through market initiatives and direct sourcing.
• Coordinate with customers to generate new business and ensure client engagement.
• Build and maintain strong relationships to drive repeat business and.brand presence.
• Manage sourcing from lead to disbursement with proper documentation.
• Collaborate with collections and credit teams to maintain portfolio quality and control risk.
• Perform field verifications of residence, premises and assets for creditworthiness.
• Conduct verification of key financial documents (ITRs, bank statements, property papers).
• Prepare CAMs and coordinate approvals across Credit, Legal, Technical, Operations, and Stores.
• Assist in collecting and utilizing marketing data to support sourcing and telecalling.
• Ensure timely MIS reporting on sourcing, disbursement, audits and pendency.
• Follow procedures for handling property documents and customer files with central operations.

Skills

Professional communication

Relationship management

Business tact

Negotiations

Regional language proficiency

Job description

Group Company:

AU Small Finance Bank Limited

Designation:

Business Manager MBL

Office Location:

Position description:

The Business Manager is responsible for driving business growth and managing relationships within the assigned area, while also servicing existing clients

Primary Responsibilities

• 1. Ensure 100% achievement of assigned business targets (volume and value). 2. Identify new business prospects and areas through market initiatives such as leafleting, canopy activities, and direct sourcing. 3. Coordinate with prospective and existing customers to generate new business opportunities and ensure client engagement. 4. Build and maintain strong customer relationships to drive repeat business and enhance brand presence in the market. 5. Manage the sourcing process from lead generation to disbursement, ensuring completeness of documentation and formalities. 6. Collaborate with collections and credit teams to manage portfolio quality, follow up on delinquent cases, and control WIRR and fee realization. 7. Perform field verifications of customers' residence, business premises, and credit-related assets to ensure creditworthiness and mitigate risk. 8. Conduct physical verification of key financial documents such as ITRs, bank statements, property documents, and legal papers. 9. Prepare and recommend basic Credit Appraisal Memos (CAM) and coordinate approvals from credit, legal, technical, operations, and store departments. 10. Assist in the collection and utilization of marketing data to support telecalling and self-sourcing efforts. 11. Ensure timely and accurate preparation and submission of MIS reports related to sourcing, disbursement, audits, and operational pendency. 12. Follow proper procedures for handling and movement of property documents and customer files in coordination with the central operations team.

Additional Responsibilities

• 1. Conduct all business dealings with integrity, ensuring full transparency and avoiding any direct or indirect personal interest in client transactions. 2. Guide and train team members on sales processes, incentive schemes, and strategies to ensure complete understanding and alignment with organizational goals. 3. Clearly communicate all terms of the deal to customers, including rate of interest, fees, charges, and conditions, ensuring informed decision-making. 4. Maintain respectful and professional conduct during customer interactions, especially during property visits and while taking photographs—with explicit customer consent. 5. Perform customer reference checks with discretion and maturity, safeguarding the client's reputation and ensuring no sensitive information is disclosed. 6. Uphold client confidentiality by not sharing personal or financial details with other clients or external parties. 7. Support team development by nurturing talent, encouraging performance, and promoting a positive work environment focused on achieving targets and earning incentives.

Reporting Team

• Reporting Designation:
• Reporting Department:

Educational Qualifications Preferred

• Category:
• Field specialization:
• Degree:
• Academic score:
• Institution tier:

Required Certification/s

Required Training/s

Required Work Experience

• Industry: BFSI
• Role: Executive/Officer
• Years of experience: 3 to 4

Key Performance Indicators

• Target Achievement
• Lead Generation
• Conversion Rate
• Portfolio Quality
• Delinquency Management
• Customer Engagement
• Documentation Accuracy
• Credit Verification
• MIS Submission Timeliness
• Team Training Effectiveness
• Customer Satisfaction
• Compliance Adherence
• Confidentiality Maintenance
• Channel Productivity
• Incentive Scheme Participation

Required Competencies

• 1. ownership and accountability for results
• 2. Customer-centric mindset and actions
• 3. adept at handling digital business apps and software
• 4. hard work and detail-orientation
• 5. eager to learn and grow as a banking professional
• 6. positive mindset, ethical and high integrity
• 7. Bias for Action and Urgency

Required Knowledge

• 1. Product/domain knowledge
• 2. Familiarity with Digital applications
• 3. Target Market Knowledge - Local Area geography familiarity
• 4. Ability to do detailed data collection/recording

Required Skills

• 1. Professional Communication - Regional language proficiency, verbal and written fluency, soft-spoken
• 2. Relationship Management - Client-Centric Approach, respectful
• 3. Business tact & Negotiations - resolving Conflict

Required Abilities

• Physical: 1. Physical fitness 2. Mental agility 3. Ability to do extensive field travel/work 4. Ability to handle work pressure and demanding clients
• Other: 1. Valid Two-Wheeler or Four-Wheeler Driving License 2. Personal 2 or 4 wheeler 3. Own Smartphone 4. Track record of past employment 5. Positive reference check and clear civil report

Work Environment Details

90% - Field, 10% - Office

Specific Requirements

• Travel: High
• Vehicle: 2-wheeler
• Work Permit:

Other Details

• Pay Rate:
• Contract Types: Permanent
• Time Constraints: Flexibile workhours as per business requirement
• Compliance Related: 1. Aherence to Code of Conduct policy of the bank 2. Non-disclosure of confidential information about bank, clients 3. Responsible handling of bank assets s.a. ID Card, SIM, Marketing material, digital devices, Receipt book etc. 4. Maintain strict confidentiality of client and company information; do not disclose any details to external parties or competitors in any form. 5. Present customer-related data accurately and transparently, avoiding misrepresentation during profiling, appraisal, or case discussions.
• Union Affiliation: