Relationship Manager -Secured affordable LAP-5.25 lacs

Wego Consultants; Mangaluru, Bengaluru; Presencial; INR 1.500.000 - 2.500.000; Jornada completa

Descripción de la vacante

Wego Consultants in Mangaluru is seeking a Sales Manager to lead a team of 8-15 sales executives in sourcing and closing unsecured business loans for SMEs, retailers, and professionals.

You will drive monthly disbursement targets, manage channel partnerships, and ensure RBI-compliant underwriting while building a high-performance sales culture.

Formación

• Graduate (B.Com) or MBA Finance preferred, with lending certification.
• 4-7 years in unsecured SME lending sales with 50 Cr+ annual disbursals track record.
• Fluent in Malayalam and English; strong negotiation and relationship skills.

Responsabilidades

• Lead a team of 8-15 sales executives and drive 10-20 Cr monthly disbursals.
• Source leads via DSA networks, field visits, bank referrals and digital campaigns.
• Structure loans with RBI-compliant underwriting and negotiate terms.
• Onboard/manage 50+ DSAs and coordinate with bank tie-ups.
• Maintain CRM dashboards and conduct monthly P&L reviews.

Conocimientos

Advanced Excel

CRM tools

Negotiation

Relationship management

English fluency

Malayalam language

Educación

Graduate (B.Com) / MBA Finance

Herramientas

CRM software

Descripción del empleo

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.