Relationship Manager -Unsecured Business Loans-Self employed-5.25 lacs

Wego Consultants; Hosur, Davanagere, Bengaluru; Presencial; INR 1.800.000 - 3.200.000; Jornada completa

Descripción de la vacante

Wego Consultants in Hosur, India, seeks a Sales Manager to lead a team of 8–15 executives targeting unsecured SME loans (5–50 lakh tickets) and drive monthly disbursals while ensuring RBI compliance.

The role emphasizes strong leadership, pipeline management, deal structuring, and channel partnerships with a focus on achieving growth and compliant underwriting.

Formación

• Graduate with B.Com or MBA Finance preferred.
• 4–7 years in unsecured SME lending sales.
• Experience with 50 Cr+ annual disbursals.

Responsabilidades

• Lead a team of 8–15 sales executives; drive monthly disbursal targets and 10–20 Cr per month.
• Source leads via DSA networks, field visits, bank referrals, and campaigns; 25% YoY portfolio growth.
• Structure loans using CIBIL, bank statements, and ITRs; negotiate terms and mitigate objections.
• Onboard/manage 50+ DSAs; run 1–2% commission incentives; strengthen bank tie‑ups for lead flow.
• Ensure 100% KYC/RBI adherence and monitor NPAs; coordinate with collections for overdue accounts.
• Maintain CRM dashboards and participate in monthly P&L reviews with leadership.

Conocimientos

Advanced Excel

CRM tools

Negotiation

Relationship mgmt

Team leadership

Educación

MBA Finance

B.Com

NBFC lending cert

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.