▷ (Urgent Search) Sales Manager

3 weeks ago

Ludhiana Chandigarh Sikar, India Neogrowth Credit Full time

Job Description The Customer Acquisition Manager (CAM/Sr. CAM) is responsible for acquiring new MSME clients for Loan Against Property (LAP) products through direct channels and driving sales growth. This is a target-driven, field-based role requiring strong market presence, relationship management, and coordination across internal teams to ensure seamless loan processing and disbursement. Key Responsibilities: Sourcing & Lead Generation - Identify and acquire new MSME customers through field visits, telecalling, references, micro-marketing activities, and local market research. - Build a strong local market presence to generate a steady pipeline of secured LAP business leads. - Develop and manage a profitable customer pool of 25 MSME clients as a Key Account Manager (KAM). - Handle the complete customer lifecycle including service queries, renewals, top-ups, and statements of account (SOA). File Login & Application Processing - Collect accurate customer documentation and ensure timely loan application login. - Guide customers through eligibility assessment, documentation, and internal policy compliance. Cross-functional Collaboration - Coordinate with Credit, Risk, Operations, Legal, and Technical teams for smooth file processing. - Act as the single point of contact for internal follow-ups and ensure end-to-end loan application execution. Disbursement & Post-Sales Follow-Up - Track loan application status and ensure timely disbursement by resolving process bottlenecks. - Explain disbursement terms and assist clients with post-loan servicing and queries. Relationship Building & Client Retention - Build and maintain strong client relationships to promote repeat business and referrals. - Engage regularly with clients to understand their evolving needs and offer suitable financial solutions. Proactive On-Ground Outreach - Conduct regular field visits to rural and semi-urban areas to identify potential loan customers and explain products. - Assist customers through application and documentation processes while ensuring adherence to RBI and internal KYC norms. - Lead recovery efforts for delinquent borrowers through on-ground visits, assessing financial conditions, and negotiating repayment plans in line with RBI guidelines. Early Bucket PDM and Collection Management - Drive portfolio quality by managing pre-delinquency and early collection efforts through customer contact, reminders, and field visits. - Support in collecting overdue amounts, including penal charges and late payment interest. Qualification & Experience: - Graduate/Postgraduate in Commerce, Science, or a related field (mandatory). - 15 years of experience in Banking, NBFC, or Insurance sectors, preferably in a direct acquisition model. - Prior experience in selling Home Loans (HL) or Loan Against Property (LAP) preferred.

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