Sales Manager

Degree Level Bachelor s Degree Key Responsibilities Business Growth Acquisition Identify develop and execute strategies to acquire new secured business loan customers asset-backed property-backed equipment financed etc Source leads direct referral channel and convert into credit proposals Build and maintain strong relationships with referral partners brokers dealers channel networks DSAs etc Work with marketing digital field teams to generate new business volume and meet exceed monthly quarterly yearly business targets Analyse market segments competition offerings and propose go-to-market plans pricing incentives Credit Product Administration Ensure end-to-end processing of secured business loan applications - from lead to disbursement in coordination with credit underwriting documentation legal risk operations teams Verify that collateral security back-up documentation is in place valuations done asset registrations legal checks completed Monitor portfolio quality early delinquency asset performance covenant compliance security coverage recovery risk Liaise with internal stakeholders risk operations collections for smooth workflow and compliance with policies regulatory requirements Channel Partner Management Develop and manage channel networks referral partners for secured business loans - recruit train monitor performance ensure lead quality compliance Manage relationships with external vendors or agencies valuers legal registration services essential for secured asset lending Collaborate with branch territory business teams to ensure sourcing turnaround time TAT disbursement efficiency and customer experience Portfolio Monitoring Quality Track and report on key metrics book size disbursement volume yield margin asset quality NPA re-possession rates early defaults TAT cost of acquisition Identify early warning signs asset under-coverage delinquency collateral issues work with collections or legal where required Drive process improvements reduce turnaround time enhance customer onboarding improve collateral security processes Compliance Risk Governance Ensure adherence to internal policies regulatory guidelines asset-liability and secured-loan specific regulations property registration charge creation asset repossession insurance etc Maintain documentation standards audit readiness manage risk of fraud collusion mis-representation Ensure KYC AML document verification and periodic review processes are followed Team Leadership if applicable Depending on the scale lead a small team of business development sales officers channel managers or referral partner managers Provide direction training performance management Foster a customer-centric mindset ensure high quality sourcing and adherence to standards Qualifications Skills Graduate or Post-graduate in Commerce Business Administration Finance or related discipline MBA preferred for senior roles Typically 5-8 years or more depending on scale of experience in secured business lending asset-backed finance business banking NBFC Bank commercial lending Strong experience in sourcing structuring secured loans property equipment business assets understanding collateral asset valuation legal security creation Demonstrated track record of meeting business targets building refining partnerships channels managing portfolio quality Strong analytical skills - comfortable reading financial statements asset valuations risk analysis margins and profitability Excellent communication stakeholder management negotiation skills Proficiency in CRM lead-management MS Office understanding of lending systems Result orientation self-driven ability to work in a target-driven environment manage multiple stakeholders sales credit legal operations High integrity ethics customer focus and compliance mindset Key Performance Indicators KPIs Volume of disbursements of secured business loans monthly quarterly annual AUM Assets Under Management growth in the secured business loan portfolio Yield margin on secured loans - spread incremental business profit Portfolio quality metrics delinquency early default rate NPA re-possession troubled asset rate Turnaround time TAT from lead to sanction to disbursement Cost of acquisition and conversion rate leads disbursals Growth and performance of channel referral partners number of active partners sourcing volume lead quality Compliance and audit metrics standards of documentation charge registration collateral cover adequacy fraud incidence Customer satisfaction experience metrics onboarding servicing What You ll Get Opportunity Opportunity to play a critical role in building scaling the secured business loans vertical - high visibility measurable impact on business and profitability Exposure to end-to-end process sourcing credit operations risk collections - valuable learning and leadership pathway Potential for advancement into leadership roles Head of Secured Loans Business Head based on performance Competitive compensation salary incentives tied to business performance portfolio quality