Sales Manager -Unsecured Business Loans- 9.5 lacs

Wego Consultants; Krishnagiri District, Mysuru, Davanagere; Sur place; INR 1 800 000 - 3 000 000; Plein temps

Résumé du poste

Wego Consultants seeks a Sales Manager to lead a team of 8–15 sales executives, sourcing and closing unsecured SME loans (5–50 lakh tickets) for SMEs, retailers, and professionals. Drive monthly disbursements, team productivity, and channel partnerships while ensuring RBI-compliant underwriting.

You will oversee lead generation via DSA networks, field visits, and bank referrals, manage 50+ DSAs, and ensure strict KYC/RBI compliance with periodic reporting.

Qualifications

• Graduate with finance focus; B.Com or MBA Finance preferred.
• 4–7 years in unsecured SME lending sales.
• Track record of 50 Cr+ annual disbursals.

Responsabilités

• Lead a team of 8–15 sales executives and drive monthly targets.
• Source and qualify SME leads through DSAs, field visits and banks.
• Structure loans with RBI-compliant terms and negotiate offers.
• Onboard 50+ DSAs and manage bank tie-ups for lead flow.
• Ensure 100% KYC/RBI compliance and coordinate with collections.
• Maintain CRM dashboards and conduct monthly P&L reviews.

Connaissances

Team leadership

Target setting

Negotiation

Relationship management

Advanced Excel

CRM tools

Malayalam

English fluency

Formation

Graduate (B.Com/MBA Finance preferred)

Outils

CRM systems

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.