Walk-in | Sales Manager - Mass LAP

SMFG INDIA CREDIT COMPANY; Bengaluru; Sur place; INR 1 400 000 - 2 200 000; Plein temps

Résumé du poste

SMFG INDIA CREDIT COMPANY is seeking a seasoned LAP professional to lead business acquisition and relationship management in Bengaluru. You will source 1–6 Crore LAP deals, engage DSAs, CAs, and channel partners, and expand local lending footprints.

You will coordinate cross-functionally to streamline sanction and disbursement, monitor portfolio quality, and drive monthly target achievement in a dynamic market.

Qualifications

• Graduate/Postgraduate in any discipline.
• 4-10 years of experience in LAP, Mortgage Loans, SME Loans, Business Banking, or Secured Lending.
• Experience handling high-value LAP cases from 1 Crore to 6 Crore.
• Strong network of DSAs, CAs, Connectors, Builders, and Business Associates.
• Local market knowledge of Bengaluru and surrounding regions preferred.

Responsabilités

• Source and generate LAP business in the 1–6 Crore range.
• Acquire customers via DSAs, CAs, Connectors, Builders, and Channel Partners.
• Develop new sourcing channels to meet targets.
• Build a pipeline of self-employed professionals, SMEs, and corporate customers.
• Maintain relationships with partner network and ensure regular engagement.
• Coordinate with Credit, Legal, Technical, and Operations teams for processing.
• Plan monthly/quarterly business targets and monitor funnel efficiency.
• Ensure compliance with KYC, policies, and portfolio quality.

Connaissances

LAP knowledge

Relationship management

Channel partners

Market expansion

Formation

Graduate / Postgraduate

Outils

MS Excel

Description du poste

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 of Bangalore and surrounding regions will be preferred.