Field Sales Officer

🏠 Loan Against Property (LAP) Job Description

Roles in LAP are usually part of the secured lending division of banks or NBFCs.

Key Responsibilities:

Client Acquisition: Identify and onboard customers seeking loans against residential, commercial, or industrial properties.

Relationship Management: Build and maintain strong client relationships, understand financial goals, and provide tailored loan solutions.

Credit & Risk Analysis: Conduct due diligence, assess property value, and evaluate borrower creditworthiness.

Sales & Targets: Achieve business growth by meeting sales targets and cross-selling other financial products.

Documentation & Compliance: Ensure proper documentation, legal checks, and adherence to regulatory guidelines.

Target Customers:

Small & medium traders, manufacturers, service providers, self-employed professionals, and increasingly salaried individuals.

🎓 Education Loan Job Description

Education loan roles are more student-centric, often involving coordination with banks and NBFCs.

Key Responsibilities:

Loan Counseling: Guide students on loan eligibility, interest rates, repayment options, and required documents.

Documentation: Collect and verify financial papers such as income tax returns, salary slips, and collateral documents.

Bank Coordination: Liaise with banks/NBFCs (e.g., SBI, HDFC Credila, ICICI, Axis, Auxilo, InCred, Prodigy) for loan approvals.

Application Tracking: Monitor loan application status, follow up for approvals, and ensure timely disbursement.

Student Support: Provide personalized assistance for study-abroad loans, ensuring smooth processing and compliance.

Preferred Background:

Experience in loan processing, NBFCs, DSA networks, or study-abroad loan support.

• It is a Full Time Field Sales job for candidates with 2 - 3 years of experience.