Relationship Manager LAP

AU SMALL FINANCE BANK; Sardarshahar; On-site; INR 300,000 - 420,000; Full time

Job summary

AU Small Finance Bank is seeking energetic Relationship Manager/Sales Officers to drive Micro Business Loan and LAP business through field sales and self-sourcing. You will acquire new customers, manage existing relationships, and ensure seamless end-to-end service.

The role involves responsible portfolio management, customer verification, and coordination with Credit, Operations and other teams to deliver a smooth loan process and excellent customer experience.

Qualifications

• 12th pass required; graduates preferred.
• 0–3 years in Sales, Banking, NBFC, Financial Services, or Freshers welcome to build a career in sales.
• Willingness to travel locally for customer meetings and business development.

Responsibilities

• Generate new MSME/LAP-Loan Against Property, Mortgage loan business through field sales and self-sourcing.
• Conduct canopy campaigns, leafleting and local promotions to increase outreach.
• Identify new business opportunities and build strong customer relationships.
• Manage customer queries and provide timely resolutions.
• Perform field visits for customer, residence, business and property verification.
• Verify financial and property documents (ITRs, bank statements, property papers).
• Prepare basic CAM (Credit Appraisal Memo).
• Coordinate with Credit, Operations, Legal, Valuation, Collections and other teams for smooth loan processing.
• Ensure timely documentation, disbursement and post-disbursement support.
• Monitor portfolio quality and assist in collections for delinquent accounts.
• Achieve sales and collection targets while complying with policies and standards.
• Submit daily MIS and sourcing reports to the reporting manager.

Skills

Field sales

Customer outreach

Communication skills

Two-wheeler license

Local market knowledge

Education

12th Pass

Graduates preferred

Job description

Relationship Manager/Sales Officer – Micro Business Loan/LAP

Department: Sales

Business Vertical: LAP/MBL

About The Role

We are looking for energetic and customer-focused Relationship Manager/Sales Officers to drive MBL/LAP business by acquiring new customers, managing existing relationships, and ensuring seamless end-to-end customer service. The role involves field sales, customer verification, portfolio management, and coordination with internal teams to deliver an exceptional customer experience.

Key Responsibilities

• Generate new MSME/LAP-Loan Against Property, Mortgage loan business through field sales and self-sourcing.


• Conduct marketing activities including canopy campaigns, leafleting, and local promotions.


• Identify new business opportunities and build strong customer relationships.


• Manage customer queries and provide timely resolutions.


• Perform field visits for customer, residence, business, and property verification.


• Verify financial and property documents (ITRs, bank statements, property papers, etc.).


• Prepare basic Credit Appraisal Memo (CAM).


• Coordinate with Credit, Operations, Legal, Valuation, Collections, and other internal teams for smooth loan processing.


• Ensure timely documentation, disbursement, and post-disbursement support.


• Monitor portfolio quality and assist in collections for delinquent accounts.


• Achieve assigned sales and collection targets while maintaining company policies and compliance standards.


• Submit daily MIS and sourcing reports to the reporting manager.

Eligibility

• Minimum Qualification: 12th Pass (Graduates preferred)


• Experience: 0–3 years in Sales, Banking, NBFC, Financial Services, or Freshers willing to build a career in sales.

Desired Skills

• Strong communication skills in the regional language, Hindi, and basic English.


• Comfortable with field sales, marketing activities, and customer interactions.


• Basic computer knowledge and smartphone proficiency.


• Good understanding of the local market and geography.


• Ability to build customer relationships and achieve sales targets.


• Two-wheeler with a valid driving licence is preferred.


• CIBIL should be clear (non-defaulter).

Key Competencies

• Customer Centricity


• Integrity & Ethics


• Result Orientation


• Ownership & Accountability


• Team Collaboration


• Attention to Detail


• Problem Solving


• Willingness to work in the field

What We’re Looking For

• Self-driven individuals with a passion for sales.


• Strong interpersonal and relationship-building skills.


• Willingness to travel locally for customer meetings and business development.


• Candidates with a positive attitude, learning mindset, and target-driven approach.