Relationship Manager -Affordable LAP - Direct-4.25 lacs

Wego Consultants; Gandhinagar, Vadodara, Amroli; On-site; INR 1,800,000 - 3,000,000; Full time

Job summary

Wego Consultants in India invites a results-driven Sales Manager to lead a team of 8–15 sales executives, sourcing and closing unsecured SME loans (5–50 lakh tickets) for diverse clients, with a clear focus on monthly disbursement targets and RBI-compliant underwriting.

You will build and manage DSAs and channel partnerships, drive lead generation through field visits and referrals, and maintain robust CRM reporting while ensuring strong negotiation, collection discipline, and portfolio growth.

Qualifications

• Education: Graduate (B.Com/MBA Finance preferred) with basic lending/NBFC certification.
• Experience: 4-7 years in unsecured SME lending sales with a track record of 50 Cr+ annual disbursals.
• Skills: Advanced Excel and CRM tools; strong negotiation and relationship management; Malayalam and English fluency.

Responsibilities

• Lead a team of 8-15 sales executives; source and close unsecured SME loans (5-50 lakh); achieve monthly disbursal targets and RBI-compliant underwriting.
• Manage sales pipeline via DSA networks, field visits, bank referrals and digital campaigns; target 25% YoY portfolio growth.
• Assess creditworthiness using CIBIL, bank statements, ITRs; structure loans (12-36 months; 16-24% IRR); negotiate terms.
• Onboard/manage 50+ DSAs; run incentive schemes (1-2% commission); activate bank tie-ups for lead flow.
• Ensure 100% KYC/RBI adherence; monitor NPAs and coordinate with collections for overdue accounts (30 DPD).
• Maintain CRM dashboards; conduct monthly P&L reviews with leadership.

Skills

Advanced Excel

CRM tools

Negotiation

Relationship management

Malayalam fluency

English fluency

Education

Graduate (B.Com/MBA Finance preferred)

Certification in lending/NBFC operations

Job description

Role Summary

The Sales Manager leads a team of 8-15 sales executives sourcing and closing unsecured business loans (5-50 lakh tickets) for SMEs, retailers, and professionals. This role drives monthly disbursement targets, team productivity, and channel partnerships while ensuring RBI-compliant underwriting.

Key Responsibilities

• Team Leadership & Targets: Recruit/train sales executives; achieve 10-20 Cr monthly disbursals. Set individual targets (20-30 leads/day/executive, 15% conversion). Conduct daily huddles and weekly reviews.
• Sales Pipeline Management: Source leads via DSA networks, field visits, bank referrals, and digital campaigns. Qualify SMEs (turnover 1-10 Cr, 1-3 yr vintage). Achieve 25% YoY portfolio growth.
• Deal Structuring: Assess creditworthiness using CIBIL, bank statements, ITRs. Structure loans (12-36 months, 16-24% IRR) with minimal collateral. Negotiate terms, overcome objections.
• DSA/Channel Partnerships: Onboard/manage 50+ DSAs; run incentive schemes (1-2% commission). Activate bank tie-ups for lead flow (e.g., current account holders).
• Compliance & Collections: Ensure 100% KYC/RBI adherence, PAR 3%. Early warning on NPAs; coordinate with collections for overdue accounts (30 DPD).
• Reporting: Maintain CRM dashboards (leads, conversion, ROI). Monthly P&L reviews with leadership.

Required Qualifications & Experience

• Education: Graduate (B.Com/MBA Finance preferred); basic certification in lending/NBFC operations.
• Experience: 4-7 years in unsecured SME lending sales (Bajaj Finserv, Lendingkart, Capital Float). Track record of 50 Cr+ annual disbursals.
• Skills: Advanced Excel, CRM tools. Malayalam + English fluency. Strong negotiation, relationship management.