Lap sales Officer

Calibehr; Suryapet; On-site; INR 300,000 - 500,000; Full time

Job summary

Calibehr is seeking a field sales professional to drive Lending products including LAP, secured loans, and micro loans. The role focuses on sourcing new customers, building relationships with local business owners, traders and property owners, and ensuring proper documentation and compliance.

The candidate should have a Bachelor's degree, 0–5 years experience in NBFC or related lending sectors, and strong communication and sales abilities.

Qualifications

• Bachelor's degree required.
• 0–5 years in NBFC, LAP, secured loan, business loan & personal loan.
• Fresh graduates with strong communication and sales skills considered.

Responsibilities

• Generate business for LAP, Secured Loans, Micro Loans and other loan products.
• Build and maintain relationships with small business owners, traders, shopkeepers, property owners and channel partners.
• Conduct field visits to identify and acquire new customers.
• Source quality loan applications and ensure documentation is complete.
• Coordinate for field investigations and verifications.
• Maintain strong customer relationships for repeat business and referrals.
• Coordinate with credit, operations and collections teams for loan processing and disbursement.
• Participate in local marketing activities and business development initiatives.
• Ensure compliance with policies, KYC norms and regulatory requirements.
• Achieve monthly business, disbursement and portfolio targets.

Skills

LAP knowledge

Secured Lending

Micro Loans

Retail Lending

communication

negotiation

relationship management

sales targets

field activities

customer assessment

KYC documentation

loan processing procedures

local markets knowledge

MS Office

digital applications

Education

Bachelor's Degree in any discipline

Marketing qualifications preferred

Tools

MS Office

Job description

Eligibility Criteria

1. Educational Qualification

• Minimum: Bachelor's Degree in any discipline.
• Candidates with qualifications in Marketing, or related fields will be preferred.

2. Experience

• 0 to 5 years of experience in NBFC, LAP, secured Loan, Business Loan & Personal Loan
• Fresh graduates with strong communication and sales skills can be considered.

3. Skills Required

• Good understanding of Loan Against Property (LAP), Secured Lending, Micro Loans, and Retail Lending products.
• Excellent communication, negotiation, and relationship management skills.
• Ability to achieve sales targets and generate business through field activities.
• Knowledge of customer assessment, KYC documentation, and loan processing procedures.
• Familiarity with local markets, business communities, and customer acquisition strategies.
• Proficiency in MS Office and digital applications.

Key Responsibilities

1. Generate business for:
   • Loan Against Property (LAP)
   • Secured Loans
   • Micro Loans
   • Other retail and business loan products offered by the company
2. Build and maintain relationships with:
   • Small business owners and entrepreneurs
   • Traders and shopkeepers
   • Property owners seeking secured finance
   • Local influencers and referral partners
   • DSAs, and channel partners
3. Conduct field visits to identify and acquire new customers.
4. Source quality loan applications and ensure completion of required documentation.
5. Perform preliminary customer assessment and coordinate for field investigations and verifications.
6. Maintain strong customer relationships to ensure repeat business and referrals.
7. Coordinate with credit, operations, and collection teams for smooth loan processing and disbursement.
8. Participate in local marketing activities, customer awareness programs, and business development initiatives.
9. Ensure compliance with company policies, KYC norms, and regulatory requirements.
10. Achieve monthly business, disbursement, and portfolio targets.

Preferred Candidate Profile

• Resident of the local area or nearby locations.
• Experience in Micro Finance, LAP, Secured Lending, Banking, or NBFC sector.
• Good understanding of local markets, villages, business establishments, and customer segments.
• Strong customer sourcing and relationship-building capabilities.
• Familiarity with field investigations, customer assessments, and loan documentation.
• Self-motivated, disciplined, and committed to ethical lending practices.
• Two-wheeler and valid driving license preferred for field roles.