Walk-in | Sales Manager- Secured Lending

Unity Small Finance Bank; Pune District; On-site; INR 300,000 - 450,000; Full time

Job summary

Unity Small Finance Bank is seeking a field-oriented role to source and assess loan applications, ensuring policy alignment and regulatory compliance. You will target secured and unsecured loans, perform credit checks, and drive end-to-end loan origination while maintaining strong customer relationships.

The role requires familiarity with banking processes, loan documentation, and a proactive sales mindset to meet daily targets and contribute to business growth.

Qualifications

• Knowledge of secured/unsecured loan 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.

Responsibilities

• Source and acquire customers for secured/unsecured loan in line with bank policies.
• Achieve assigned disbursement, login, and productivity targets.
• Conduct preliminary credit assessment, income evaluation, and eligibility checks.
• Ensure 100% compliance with RBI guidelines, KYC/AML norms, and Fair Practices Code.
• Coordinate with Credit, Risk, Legal, Technical, and Operations teams.
• Build and manage strong customer relationships for repeat business.

Skills

Sales orientation

Customer relationship

Communication skills

Credit appraisal basics

Banking processes knowledge

CRM/LOS & MS Office

Tools

CRM/LOS systems

MS Office

Job description

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 end-to-end 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.

Preferred candidate profile

• 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.

Competency & Skills Required

• Strong understanding of credit policies and banking processes
• Knowledge of RBI regulations (KYC, AML, Fair Practices Code)
• Sales orientation with target-driven approach
• Financial analysis & documentation skills
• Stakeholder management across Credit, Risk, Ops