Sales Manager

Yes Bank; Kolkata District, Ahmedabad District, Bengaluru; On-site; INR 400,000 - 700,000; Full time

Job summary

Yes Bank is hiring for a Business Loan Executive / Manager to drive SME lending across PAN India. You will identify potential customers, assess their financial needs, and manage end-to-end loan processes with a focus on unsecured and secured products.

You will coordinate with credit teams, ensure KYC/compliance, and maintain relationships with SME clients and channel partners while striving to meet sales targets.

Qualifications

• Knowledge of SME lending, business loan products, credit policies, and eligibility norms.
• Understanding of financial documents such as GST returns, balance sheets, P&L, bank statements.
• Familiarity with secured loan processes (property evaluation, legal checks) is an advantage.

Responsibilities

• Identify and acquire new customers for business loans (SME/MSME/Working Capital/Term Loans).
• Assess customer financial needs, business performance, turnover, and credit exposure; discuss loan eligibility and documentation.
• Coordinate with credit teams for financial analysis and eligibility checks; ensure KYC/compliance and collateral verification.
• Build and maintain strong relationships with SME/MSME clients, vendors, and channel partners; support loan lifecycle.

Skills

SME Lending

Credit Policies

GST Returns

Financial Documents

Negotiation

Education

Graduate / MBA (Finance)

Job description

Job Description: Business Loan Executive / Manager (PAN India)

Role Title:

Business Loan Officer / Relationship Manager Business Loans

Location:

Pan India (Openings across multiple metro & nonmetro locations)

Department:

Business Loans / SME Lending / MSME Finance

Key Responsibilities

1. Business Acquisition & Sales

• Identify and acquire new customers for business loans (SME/MSME/Working Capital/Term Loans).
• Generate leads through field visits, channel partners, DSAs, references, and existing customer portfolios.
• Achieve monthly sales targets for unsecured and secured business loan products.

2. Customer Assessment & Profiling

• Assess customer financial needs, business performance, banking patterns, turnover, and credit exposure.
• Conduct detailed discussions to evaluate loan eligibility and repayment capability.
• Guide customers on required business loan documentation and product features.

3. Credit & Risk Evaluation

• Coordinate with credit teams for financial analysis and eligibility checks.
• Ensure compliance with KYC, income proofs, business documents, GST filings, bank statements, and collateral verification (for secured loans).
• Mitigate risks by performing field investigations, reference checks, and business stability assessments.

4. Relationship Management

• Build and maintain strong relationships with SME/MSME clients, vendors, and channel partners.
• Provide continuous support regarding loan applications, approvals, disbursements, and postdisbursement servicing.
• Handle customer escalations to ensure a high satisfaction level.

5. Documentation & Coordination

• Ensure accurate documentation, application processing, and timely submission.
• Coordinate with internal teams (operations, legal, credit, technical valuers) for faster processing.
• Maintain MIS reports on leads, conversions, pipeline, and disbursement status.

Required Skills & Competencies

Technical Skills

• Knowledge of SME lending, business loan products, credit policies, and eligibility norms.
• Understanding of financial documents such as GST returns, balance sheets, P&L, bank statements.
• Familiarity with secured loan processes (property evaluation, legal checks) is an advantage.

Soft Skills

• Excellent communication, negotiation, and customer handling skills.
• Strong analytical ability and understanding of business financials.
• Ability to work in a target-based environment.

Qualifications

• Graduate / MBA preferred (Finance, Marketing).
• 1–8+ years of experience in Business Loans / SME Finance / Banking / NBFC sales.