Manager LAP

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

Job summary

AU Small Finance Bank Limited is seeking a Business Manager to drive growth in Kadapa and surrounding areas. The role focuses on acquiring new customers, maintaining strong client relationships, and ensuring end-to-end credit processes from lead to disbursement.

The ideal candidate will have 3–4 years of BFSI experience, strong communication, and field-visit capabilities. This is a permanent, on-site role with heavy field work and performance-driven incentives.

Qualifications

• 3–4 years of BFSI experience in sales/relationship management.
• Excellent prospecting, negotiation, and documentation skills.
• Ability to travel extensively for field verification and customer visits.
• Valid driving license and own vehicle is preferred.

Responsibilities

• Achieve 100% of assigned business targets (volume and value).
• Generate new business via leafleting, canopy activities, and direct sourcing.
• Coordinate with customers to generate opportunities and ensure engagement.
• Maintain strong customer relationships to drive repeat business and brand presence.
• Oversee sourcing from lead to disbursement with proper documentation.

Skills

Professional Communication

Relationship Management

Negotiation Skills

Job description

Group Company:

AU Small Finance Bank Limited

Designation:

Manager MBL

Office Location:

Kadapa Kadapa

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 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: