Sales Manager -Unsecured Business Loans- 9.5 lacs

Wego Consultants; Bidar District, Ballari District; Sur place; INR 1 500 000 - 2 600 000; Plein temps

Résumé du poste

Wego Consultants in India seeks a Sales Manager to lead 8–15 sales executives focused on unsecured SME lending (5–50 lakh tickets). You will drive monthly disbursal targets, optimize team productivity, and manage DSA/channel partnerships, ensuring RBI-compliant underwriting.

The role requires 4–7 years in unsecured SME lending sales with a track record of high disbursal volumes, strong negotiation, and excellent stakeholder management across Malayalam and English speakers.

Qualifications

• Graduate degree; MBA Finance preferred; lending/NBFC operations certification.
• 4-7 years in unsecured SME lending sales.
• Experience with 50 Cr+ annual disbursals.
• Strong negotiation and relationship management.
• Fluency in Malayalam and English.

Responsabilités

• Lead 8–15 sales executives; drive targets and monthly disbursals.
• Source leads via DSA networks, field visits, and referrals.
• Structure loans and negotiate terms with borrowers.
• Onboard 50+ DSAs; manage channel incentives.
• Ensure RBI-compliant underwriting and timely reporting.
• Monitor CRM dashboards and conduct periodic reviews.

Connaissances

Advanced Excel

Negotiation

Relationship management

Team leadership

Malayalam

English fluency

Formation

Graduate degree (B.Com)

MBA Finance preferred

Lending/NBFC operations certification

Outils

CRM tools

Description du poste

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.