Sales Manager

4 weeks ago

Mangalore, India Neogrowth Credit Full time

Job Description As a Customer Acquisition Manager, you will be responsible for acquiring new clients for Loan Against Property (LAP), driving sales, and generating business for the organization. This is a field-based, target-driven sales role requiring strong market networking and product knowledge. Acquisition will primarily be through Direct Channels such as events, exhibitions, roadshows, database marketing, and micro-marketing activities. Key Responsibilities: Sourcing & Lead Generation - Identify and acquire new MSME customers through field visits, telecalling, references, micro-marketing activities, and market research. - Build a strong local market presence to generate a steady pipeline of LAP business leads and disbursement. - Manage a profitable customer pool of 25 MSME clients as a Key Account Manager (KAM), handling service queries, renewals, top-ups, and SOA. File Login & Application Processing - Collect accurate customer documentation and ensure timely login of loan applications. - Guide customers through eligibility and documentation while ensuring compliance with internal policies. Cross-functional Collaboration - Coordinate with Credit, Risk, Operations, Legal, and Technical teams for smooth file processing and issue resolution. - Act as the single point of contact for internal follow-ups and end-to-end loan application execution. Disbursement & Post-Sales Follow-Up - Track loan application status and facilitate timely disbursement by resolving process delays. - Explain disbursement terms and support clients with post-loan queries and servicing needs. Relationship Building & Client Retention - Build strong client relationships to drive repeat business, referrals, and long-term loyalty. - Maintain regular client engagement to understand evolving needs and offer tailored financial solutions. Proactive On-Ground Outreach - Conduct face-to-face visits to rural & semi-urban markets to identify new loan leads (home/SME/microfinance). - Explain products clearly and assist customers with application and documentation processes in compliance with RBI & internal KYC standards. - Lead in-person recovery efforts for delinquent borrowers, assess financial situations, and develop repayment arrangements. Early Bucket PDM & Collection Management - Drive portfolio quality through pre-delinquency and collection management activities like presentation date, EMI reminders, SMS/telecalling/notifications. - Collect overdue amounts, penal charges, and late payment interest through direct customer engagement and field visits. Qualification & Experience: - Graduate/Postgraduate in Commerce, Science, or related fields (mandatory). - 1 to 5 years of experience in a Bank, NBFC, or Insurance company, preferably in a direct acquisition model. Prior experience in selling Home Loans (HL) or Loan Against Property (LAP) is preferred.

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