Sales Manager

3 days ago

Alwar, Rajasthan, India Tata Capital Full time ₹ 6,00,000 - ₹ 20,00,000 per year
Description
Key Responsibilities 1. Sales & Business Development
  • Drive sales targets for Secured Business Loans (SBL), including property-backed loans, loan against property (LAP), working capital loans, and equipment loans.
  • Generate new business leads through cold calling, references, channel partners, and market networking.
  • Identify potential clients (SMEs, MSMEs, traders, manufacturers, service businesses) and design structured loan solutions based on their needs.
  • Conduct market mapping to identify new opportunities in assigned territories.
2. Team Management
  • Lead, mentor, and motivate a team of Sales Executives/Relationship Officers to achieve monthly and quarterly targets.
  • Provide regular training and support on product knowledge, sales techniques, and compliance.
  • Monitor team productivity and guide them in improving lead conversion ratios.
  • Conduct joint client visits with team members for high-value prospects.
3. Credit & Risk Assessment
  • Ensure thorough due diligence of customer profiles, financial statements, banking behavior, property documents, and credit bureau reports.
  • Coordinate with credit teams to ensure smooth underwriting and quick turnaround time.
  • Maintain portfolio quality by ensuring adherence to credit policies and identifying early warning signals.
4. Relationship Management
  • Build long-term relationships with customers, channel partners, DSAs, connectors, and builders.
  • Handle customer queries, negotiate terms, and close high-value deals.
  • Ensure high customer satisfaction and repeat business.
5. Compliance & Reporting
  • Maintain accurate MIS, daily activity reports, and sales pipeline updates.
  • Ensure compliance with all internal policies, RBI guidelines, KYC norms, and audit requirements.
  • Review documentation to ensure completeness and accuracy before loan file submission.
Key Skills & Competencies
  • Strong understanding of Secured Business Loans / LAP products
  • Good knowledge of financial analysis and credit assessment
  • Excellent communication and negotiation skills
  • Leadership and team management abilities
  • Ability to drive sales and meet targets
  • Strong relationship-building and networking skills
  • Market awareness and competitive intelligence
  • Proficiency in CRM, MS Excel, and sales reporting tools
Qualifications & Experience
  • Bachelor's degree in Business, Finance, Marketing, or a related field; MBA preferred.
  • 4–8 years of experience in Secured Business Loans / LAP / SME loans.
  • Proven track record of meeting sales targets and managing a sales team.
  • Experience in NBFCs, Banks, or Financial Institutions.
Performance Indicators (KPIs)
  • Monthly/Quarterly SBL disbursement target achievement
  • Lead conversion ratio
  • Portfolio quality (NPA levels)
  • Turnaround time (TAT) for file processing
  • Team performance metrics
  • Customer acquisition & retention

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