Relationship Manager -Affordable LAP - Direct-4.75 lacs

Wego Consultants; Vijayapura District, Mangaluru; On-site; INR 1,200,000 - 2,400,000; Full time

Job summary

Wego Consultants in Karnataka seeks a Sales Manager to lead a team of 8-15 sales executives, driving unsecured SME loan disbursals of 5-50 lakh and building channel partnerships. You will ensure RBI-compliant underwriting and monthly targets.

Responsibilities include recruiting and training, managing leads from DSAs and banks, structuring loans, negotiating terms, and maintaining CRM dashboards for ROI reviews.

Qualifications

• Must have 4-7 years in unsecured SME lending sales.
• Track record of 50 Cr+ annual disbursals.
• Fluent in English; Malayalam language skills preferred.

Responsibilities

• Recruit/train sales executives and set targets.
• Source and convert SME leads; manage 25% YoY portfolio growth.
• Structure loans with RBI-compliant underwriting.
• Onboard/manage 50+ DSAs; coordinate with banks.
• Maintain CRM dashboards and report monthly.

Skills

Advanced Excel

Negotiation

Relationship Mgmt

English & Malayalam

Education

Graduate

MBA Finance preferred

Tools

CRM software

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.