Sales Manager - Secured Lending

Unity Small Finance Bank; Pune District; On-site; INR 420,000 - 650,000; Full time

Job summary

Unity Small Finance Bank in Pune is seeking a results-driven Loan Officer to source and manage customers for secured and unsecured business loans. You will drive growth while ensuring RBI compliance, KYC norms, and audit-ready records throughout the loan origination process.

The role requires strong sales and relationship-building skills, familiarity with CRM/LOS systems, and the ability to work in a target-driven, field-oriented environment across Retail and MSME assets.

Qualifications

• Knowledge of secured/unsecured loans and basic credit appraisal.
• Understanding of banking processes, loan documentation, and origination flow.
• Awareness of RBI guidelines, KYC/AML norms, and Fair Practices Code.
• Strong sales, customer relationship, and communication skills.
• Ability to work in a target-driven, field-oriented role.

Responsibilities

• Source and acquire customers for secured/unsecured loan products in line with bank policies.
• Achieve assigned disbursement, login, and productivity targets.
• Conduct preliminary credit assessment, income evaluation, and eligibility checks.
• Ensure quality sourcing aligned with the banks risk appetite.
• Manage endtoend loan origination from sourcing to disbursement.
• Ensure 100% compliance with RBI guidelines, KYC/AML norms, and Fair Practice Code.
• Coordinate with Credit, Risk, Legal, Technical, and Operations teams.
• Maintain accurate documentation and audit-ready records.
• Build and manage strong customer relationships for repeat business.
• Monitor portfolio performance and support early delinquency management.
• Cross-sell CASA and other bank products to enhance customer value.
• Manage and activate DSA/channel relationships.
• Track TATs and ensure timely resolution of customer queries.

Skills

Credit appraisal

Banking processes

RBI guidelines

Sales

Communication

CRM/LOS

MS Office

Tools

CRM/LOS systems

MS Office

Job description

Job Role Purpose & Objective:

To drive growth in the banks Retail & MSME Asset portfolio by sourcing and managing customers for secured/ unsecured business loans, while ensuring strict adherence to RBI regulations, internal credit policies, and audit/compliance standards.

KEY DUTIES & RESPONSIBILITIES OF THE ROLE

Source and acquire customers for secured/ unsecured loan products in line with bank policies.

Achieve assigned disbursement, login, and productivity targets.

Conduct preliminary credit assessment, income evaluation, and eligibility checks.

Ensure quality sourcing aligned with the banks risk appetite.

Manage endtoend loan origination from sourcing to disbursement.

Ensure 100% compliance with RBI guidelines, KYC/AML norms, and Fair Practice Code.

Coordinate with Credit, Risk, Legal, Technical, and Operations teams.

Maintain accurate documentation and audit-ready records.

Build and manage strong customer relationships for repeat business.

Monitor portfolio performance and support early delinquency management.

Cross-sell CASA and other bank products to enhance customer value.

Manage and activate DSA/channel relationships.

Track TATs and ensure timely resolution of customer queries.

MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS

Knowledge of secured/ unsecured loans basic credit appraisal.

Understanding of banking processes, loan documentation, and origination flow.

Awareness of RBI guidelines, KYC/AML norms, and Fair Practices Code.

Strong sales, customer relationship, and communication skills.

Ability to work in a target-driven, field-oriented role.

Basic proficiency in CRM/LOS systems and MS Office.