Business Development Manager

Job description:

Sales Manager – Retail Loans (Finzen Fintech Pvt. Ltd.)

Location: Mumbai (Work from Office + Field Travel in assigned territory)

Function: Sales - Retail Assets (PL/BL/LAP/HL)

Reports to: AVP – Retail Loans (Retail Assets)

About Finzen Fintech

Finzen Fintech is building India's most trusted retail-lending distribution engine. Our multi-sided platform connects DSAs, NBFCs/Banks, and borrowers to deliver paper-light onboarding, intelligent matching, and fast disbursals. We operate under a Master DSA structure with real-time payout visibility and rigorous compliance.

We're hiring a Sales Manager - Retail Loans to lead disbursals across Personal Loans (PL), Business Loans (BL), Loan Against Property (LAP), and Home Loans (HL), by scaling high-quality sourcing funnels and deepening lender relationships.

Role Mission

Own the top-line for your territory: build predictable pipelines, raise conversion, maintain portfolio hygiene, and turn our digital + DSA ecosystem into a compounding growth flywheel.

Key Responsibilities 1) Revenue & Pipeline Ownership

· Deliver monthly disbursal targets across PL/BL/LAP/HL; drive product mix to achieve yield and fee goals.

· Build and manage a robust lead funnel from DSAs, Finzen Connect app, and direct sourcing; ensure daily activity cadences.

· Track performance through CRM dashboards; forecast accurately (weekly/Monthly) and course-correct swiftly.

2) Channel Acquisition & Enablement

· Recruit, onboard, and activate DSA partners; run monthly partner scorecards (sourcing, conversion, quality, TAT).

· Conduct regular training on documentation, KYC, income assessment, policy changes, and digital tools.

3) Credit, Ops & Lender Liaison

· Work closely with Credit to shape file quality (banking, ITRs, GST, surrogates) and reduce pendency.

· Coordinate with lender RMs for sanctions, deviations, and offers; manage SLA adherence and policy escalations.

4) Compliance & Documentation

· Ensure 100% adherence to RBI Fair Practices Code, KYC/AML norms, and DPDP Act requirements.

· Own file hygiene: CPV/TPV, income proofs, legal/technical (for LAP/HL), and audit readiness.

5) Portfolio & Early Collections Hygiene

· Monitor early-bucket risk (0–30 DPD) with Ops/Collections; ensure prompt handoffs and root-cause fixes on slippages.

6) Market Intelligence & GTM

· Track competitor rates, partner payouts, and product changes; feed insights into pricing, offers, and micro-campaigns.

· Run local activations: builder associations, trade clusters, MSME catchments, and community events.

What Success Looks Like (90/180/365 Days)

· 90 Days: Channel base activated; CRM hygiene at ≥95%; lender connects established; first full-month target achieved.

· 180 Days: 2× pipeline velocity; conversion uplift across PL/BL/LAP/HL; TAT reduced vs. baseline; zero audit exceptions.

· 365 Days: Territory among the top quartile for disbursals and quality; sustainable DSA engine with predictable MoM growth.

Specific numeric targets will be finalized during onboarding (benchmarks used internally for similar roles will be shared).

Primary KPIs

· Monthly Disbursals (₹): PL/BL/LAP/HL by product; Processing Fee/Commission (₹)

· Lead-to-Login %, Login-to-Sanction %, Sanction-to-Disbursal %

· Avg. TAT (login→sanction, sanction→disbursal)

· File Quality: Pendency rate, Deviation count, Audit exceptions

· Early Delinquency (0–30 DPD) and First-EMI bounce rate

· Active DSA partners / month & Partner Productivity (disbursal/partner)

Must-Have Qualifications

· 4–8 years of field sales experience in retail assets with Banks/NBFCs/Fintechs/DSAs.

· Proven track record in PL/BL/LAP/HL disbursals and DSA/channel management.

· Strong understanding of underwriting basics, income assessment, and documentation.

· Proficiency with CRM tools and Excel/Sheets-based reporting.

· Fluent in English and Hindi/Marathi; excellent stakeholder management.

Good-to-Have

· Experience in zero-to-one city launches or building new channels.

· Local market network (builders, trade bodies, CA/DSA networks).

· Knowledge of account aggregators, bureau interpretation, and bank statement analyser.

Behavioral Competencies

· Owner's mindset: bias for action, accountability for outcomes, hands-on hustle.

· Commercial acumen: pricing, payout math, and lender policy navigation.

· Process rigor: loves checklists, hates pendency.

· People leadership: coaches reps/partners to consistent performance.

Work Model & Travel

· Work from Office (Mumbai HQ) with daily field travel in territory; 6-day working preference (as per business calendar).

· Will include occasional inter-city travel for lender reviews or market expansion.

Compensation & Benefits

· Competitive fixed + performance-linked variable + monthly/quarterly incentives.

· Travel/reimbursements per policy; learning & development budget.

· High-trust, outcome-focused culture with rapid growth opportunities.

How to Apply

Email your resume to with subject:

"Sales Manager – Retail Loans | Mumbai | ". Include a brief note on your best disbursal month (₹), product mix, and how you achieved it.

Equal Opportunity Statement

Finzen Fintech is an equal opportunity employer. We value diversity and are committed to an inclusive workplace.

If you can turn pending files into payouts while keeping risk in check, let's talk.

Job Type: Full-time

Work Location: In person