Small Business Financing Director

ECL Finance Limited

India

On-site

INR 2,800,000 - 4,000,000

Full time

14 days+

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Job summary

ECL Finance Limited is seeking a Regional Sales Manager to lead a direct sales team in MSME secured lending (LAP). The role focuses on market expansion, customer acquisition, and end-to-end sales execution while maintaining strong internal and external stakeholder relationships.

Reporting to the Zonal Sales Manager, the candidate should have 13+ years in banking/FS/insurance with SME secured lending and proven leadership of regional sales teams to achieve business targets.

Qualifications

Graduate in any discipline.
MBA preferred.
13+ years of experience in Banking, Financial Services, or Insurance with strong exposure to SME secured lending; proven experience in handling regional sales teams and achieving targets.

Responsibilities

Lead a direct sales team for sourcing LAP business and achieve login, sanction and disbursement targets.
Drive market expansion and customer acquisition through CANOPY activities and self-sourced leads.
Maintain relationships with existing customers and identify new opportunities within portfolio.
Coordinate with Credit, Operations, Collections and Technical teams for speedy case clearance and turnaround.
Own P&L for the branch/region, ensure profitability through growth, yield, and portfolio quality.
Hire and develop team, monitor performance, and control attrition through engagement and training.
Ensure high customer satisfaction and monitor Net Promoter Score (NPS) targets.
Monitor delinquencies and NPAs, ensure strong credit quality and fraud prevention.
Adhere to policies, processes and regulatory guidelines; ensure audit readiness.
Drive sustainable growth by market expansion and channel development.

Skills

MSME LAP

Sales leadership

Market knowledge

Profitability growth

Communication skills

People management

Education

Graduate

MBA preferred

Job description

About ECL Finance Limited

Edelweiss is one of Indias leading financial services conglomerates, serving a diversified client base across domestic and global markets. ECL Finance Limited (ECLF) is the MSME lending arm of Edelweiss Financial Services. We play a critical role in Indias expanding credit ecosystem by enabling Micro, Small and Medium Enterprises (MSMEs) with timely, flexible and innovative financial solutions.

MSMEs form the backbone of Indias economy, and our purpose is to empower them to grow, sustain and scale their businesses. Our mission is to be a trusted financial partner to entrepreneurs in the Priority Sector, helping unlock their potential and contribute meaningfully to Indias economic progress and the vision of Atmanirbhar Bharat.

About the Role

The Regional Sales Manager is responsible for driving SME secured lending (LAP) business across assigned locations by leading a direct sales team, sourcing through connectors and self-channels, and ensuring achievement of business, profitability, and service metrics. The role focuses on market expansion, customer acquisition, and end‑to‑end sales execution while maintaining strong internal and external stakeholder relationships.

Reporting To: Zonal Sales Manager/DST Head Location: [City/Region]

Qualifications & Experience

Graduate in any discipline;
MBA preferred.
13+ years of experience in Banking, Financial Services, or Insurance with strong exposure to SME secured lending. Proven experience in handling regional sales teams and achieving business targets.

Key Responsibilities

Sales & Business Development

Manage and lead a direct sales team for sourcing LAP business through connector channels.
Drive achievement of login, sanction, and disbursement targets at individual and regional levels.
Acquire new SME customers through direct sourcing and self-generated leads.
Ensure profitability and business growth across assigned locations.

Market Expansion & Marketing Activities

Execute marketing initiatives in SME clusters such as canopy activities, loan fairs, exhibitions, and micro-marketing campaigns.
Develop deep understanding of local SME markets and customer profiles.

Relationship & Portfolio Management

Maintain and strengthen relationships with existing customers.
Identify new business opportunities within the existing portfolio.
Ensure high levels of customer satisfaction and retention.

Process & Stakeholder Coordination

Track files end-to-end from login to disbursement and ensure timely collection of PDDs.
Liaison with internal teams including Credit, Operations, Collections, and Technical for case clearance and quick turnaround.
Ensure adherence to policies, processes, and compliance requirements.

P&L Ownership:

Overall ownership of branch/region P&L, ensuring profitability through balanced growth, optimal yield, cost efficiency, and portfolio quality.

People Management & Talent Stability:

Ownership of hiring, team productivity, performance monitoring, and ensuring controlled attrition through engagement, development, and training.

Customer Satisfaction & NPS:

Ensure high levels of customer satisfaction through superior service quality and timely resolution of issues, with accountability for achieving targeted Net Promoter Score (NPS) for the branch/region.

Portfolio Quality & Risk Management:

End‑to‑end responsibility for portfolio health, including monitoring delinquencies, controlling NPAs, ensuring strong credit quality, and preventing fraud.

Governance, Audit & Compliance:

Ensure strict adherence to company policies and regulatory guidelines; own audit readiness and timely closure of internal/external audit observations.

Market Growth & Business Sustainability:

Drive sustainable business growth through market expansion, channel development, strengthening local ecosystem relationships, and improving market share.

Skills & Competencies