Sales Manager

3 days ago

Alwar, Rajasthan, India Tata Capital Full time ₹ 12,00,000 - ₹ 36,00,000 per year
Description
Key Responsibilities 1. Sales & Business Development
  • Achieve monthly and quarterly targets for secured business loan disbursements.
  • Develop and implement district-level sales strategies to grow market share.
  • Identify high-potential markets, customer segments, and channel partners.
  • Ensure consistent lead generation and pipeline management across the team.
2. Team Leadership & Performance Management
  • Recruit, train, and mentor Relationship Managers and Sales Officers.
  • Conduct regular performance reviews, field coaching, and joint client visits.
  • Drive productivity metrics such as login-to-disbursement ratio, ticket size, and conversion.
3. Channel Management
  • Build and nurture relationships with DSAs, connectors, CA networks, property consultants, and other intermediaries.
  • Ensure channel activation, transparent engagement, and timely payouts.
  • Resolve partner issues and ensure smooth process flow.
4. Customer Management
  • Oversee customer sourcing, profiling, and needs assessment.
  • Ensure high-quality service throughout the loan cycle—from application to disbursement.
  • Address escalations and maintain strong customer satisfaction scores.
5. Credit & Risk Management
  • Work closely with credit teams to ensure high-quality sourcing and documentation.
  • Review credit proposals, FOIR calculations, collateral valuation, and compliance documents.
  • Maintain a healthy portfolio with low delinquency and NPAs.
  • Ensure adherence to internal policies, regulatory norms, and KYC/AML guidelines.
6. Process & Operational Efficiency
  • Monitor TAT across stages—login, sanction, and disbursement.
  • Improve process bottlenecks through coordination with credit, operations, and legal teams.
  • Maintain accurate MIS reporting and forecast sales performance.
Key Skills & Competencies
  • Strong knowledge of secured business loans, LAP, and MSME lending.
  • Excellent understanding of credit underwriting, financial statements, and collateral evaluation.
  • Proven sales leadership and team-management skills.
  • Strong negotiation, communication, and relationship-building ability.
  • Analytical mindset with strong problem-solving capabilities.
  • Ability to work under pressure and manage multiple priorities.
Qualifications & Experience
  • Graduate/MBA preferred.
  • 5–10 years of experience in MSME/SME lending, with at least 2–3 years in a leadership role.
  • Experience in secured lending (LAP, machinery loans, property-backed loans) is mandatory.
Key Performance Indicators (KPIs)
  • Disbursement volumes vs. targets
  • Portfolio quality (delinquency, bounce rates, NPAs)
  • Team productivity and retention
  • Channel partner contribution and activation
  • TAT and customer satisfaction

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