Manager LAP

Au Small Finance Bank Ltd.; Krishnagiri District; On-site; INR 450,000 - 750,000; Full time

Job summary

AU Small Finance Bank Limited in Hosur, Tamil Nadu, seeks a Business Manager to drive growth and manage relationships in the assigned area, while servicing existing clients.

You will lead sourcing from lead generation to disbursement, coordinate with credit and collections teams, conduct field verifications, and ensure documentation accuracy while maintaining compliance and brand presence.

Qualifications

• Strong communication skills in regional language with good written proficiency.
• Ability to manage client relationships and drive sales with integrity.
• Capable of negotiating terms and handling digital banking apps.
• High attention to detail in data collection, documentation, and reporting.
• Demonstrated ownership of results and proactive in problem solving.

Responsibilities

• Achieve assigned business targets (volume and value) in the area.
• Identify new prospects via market initiatives and direct sourcing.
• Coordinate with customers to generate opportunities and ensure engagement.
• Build and maintain customer relationships to drive repeat business.
• Manage sourcing from lead to disbursement with proper documentation.
• Coordinate with collections and credit teams to maintain portfolio quality.
• Perform field verifications of residence, premises and assets.
• Prepare CAMs and coordinate approvals from various departments.
• Support marketing data collection to aid telecalling and self-sourcing.
• Ensure timely MIS reporting for sourcing, disbursement, audits.

Skills

Professional communication

Relationship management

Business tact & negotiations

Digital applications

Ownership & accountability

Detail orientation

Job description

Group Company:

AU Small Finance Bank Limited

Office Location:

HOUSUR Hosur

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

Required Certification/s:

Required Training/s:

Required work experience

• 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 results2. Customer-centric mindset and actions3. adept at handling digital business apps and software4. hard work and detail-orientation5. eager to learn and grow as a banking professional6. positive mindset, ethical and high integrity7. Bias for Action and Urgency

Required Knowledge:

1. Product/domain knowledge2. Familiarity with Digital applications3. Target Market Knowledge - Local Area geography familiarity4. Ability to do detailed data collection/recording

Required Skills:

1. Professional Communication - Regional language proficiency, verbal and written fluency, soft-spoken2. Relationship Management - Client-Centric Approach, respectful3. Business tact & Negotiations - resolving Conflict

Required abilities

• Physical: 1. Physical fitness2. Mental agility3. Ability to do extensive field travel/work4. Ability to handle work pressure and demanding clients
• Other: 1. Valid Two-Wheeler or Four-Wheeler Driving License2. Personal 2 or 4 wheeler3. Own Smartphone4. Track record of past employment5. Positive reference check and clear civil report

Specific requirements

• Travel: High
• Vehicle: 2-wheeler
• Pay Rate:
• Contract Types: Permanent
• Time Constraints: Flexibile workhours as per business requirement
• Compliance Related: 1. Aherence to Code of Conduct policy of the bank2. Non-disclosure of confidential information about bank, clients3. 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.