Sales Manager - Mass LAP

SMFG INDIA CREDIT COMPANY; Sikar, Jaipur, Jodhpur; On-site; INR 700,000 - 1,200,000; Full time

Job summary

SMFG INDIA CREDIT COMPANY is hiring for a business acquisition role focused on sourcing LAP loans ranging from 1 crore to 6 crore. You will build and maintain a strong partner ecosystem including DSAs, CAs, connectors, builders, and channel partners.

You will manage end-to-end processes with Credit, Legal, Technical and Operations teams, ensuring robust KYC and portfolio quality while pursuing monthly and quarterly targets in the local market.

Qualifications

• Graduate or postgraduate in any discipline with 4–10 years LAP/ Mortgage/ SME loan experience.
• Strong network of DSAs, CAs, connectors, builders and partners.
• Excellent negotiation and relationship management skills.

Responsibilities

• Source and generate LAP business in the 1–6 crore range.
• Acquire customers via DSAs, CAs, connectors, builders and partners.
• Manage relationships with partners and drive activity to boost volumes.
• Coordinate with Credit, Legal, Technical and Operations teams for loan processing.
• Plan monthly/quarterly targets and monitor funnel and conversions.
• Ensure KYC, documentation and portfolio quality standards.

Skills

Relationship management

Negotiation

Business development

Market expansion

Credit assessment

Education

Graduate/Postgraduate

Job description

Role & responsibilities

1. Business Acquisition

• Source and generate Loan Against Property business in the ticket size range of 1 Crore to 6 Crore.
• Acquire new customers through Direct Sourcing, DSAs, Chartered Accountants (CAs), Connectors, Builders, and Channel Partners.
• Identify and develop new sourcing channels to achieve business targets.
• Build a strong pipeline of self-employed professionals, SMEs, businessmen, and corporate customers.

2. Relationship Management

• Develop and maintain strong relationships with DSAs, CAs, Connectors, Builders, and Channel Partners.
• Conduct regular meetings and engagement activities to enhance business volumes.
• Ensure high partner productivity through continuous support and market updates.
• Act as a single point of contact for key sourcing partners.

3. Business Development & Market Expansion

• Map the local market and identify opportunities for secured lending business.
• Drive awareness and visibility through local marketing initiatives and networking activities.
• Explore opportunities in SME clusters, commercial hubs, and business communities.
• Analyze competitor offerings and market trends to generate incremental business.

4. Credit & Case Management

• Understand customer financials, banking behavior, and funding requirements.
• Coordinate with Credit, Legal, Technical, and Operations teams for smooth sanction and disbursement processes.
• Ensure quality sourcing and maintain healthy portfolio standards.
• Assist customers in documentation and end-to-end loan processing.

5. Strategy Planning & Target Achievement

• Prepare monthly and quarterly business plans for LAP acquisition.
• Drive sourcing, sanction, and disbursement targets as per business objectives.
• Monitor sales funnel and conversion ratios to maximize productivity.
• Ensure revenue generation and portfolio growth in the assigned geography.

6. Compliance & Portfolio Quality

• Adhere to company policies, credit guidelines, and regulatory requirements.
• Ensure proper KYC and documentation standards.
• Focus on maintaining asset quality and controlling delinquency levels.
• Ensure all sourced cases meet internal risk and compliance norms.

Preferred candidate profile

• Graduate/Postgraduate in any discipline.
• 4-10 years of experience in LAP, Mortgage Loans, SME Loans, Business Banking, or Secured Lending.
• Experience in handling high-value LAP cases ranging from 1 Crore to 6 Crore.
• Strong network of DSAs, CAs, Connectors, Builders, and Business Associates.
• Good understanding of customer financial assessment and property-backed lending.
• Strong negotiation, relationship management, and business development skills.
• Local market knowledge and surrounding regions will be preferred.