Loan Sales

Job Description: Sales Relationship Manager (RM) – LAP & SME Loans

Company: Leading NBFC

Position: Sales Relationship Manager (RM)

Location: Mumbai (BKC) / Specified Branch

Department: Retail / SME Lending

Employment Type: Full-time, Permanent

Work Model: 6 Days Work from Office (Alternate Saturdays Off) Perks: Complimentary shuttle/bus facility from the nearest station/bus stop to the office.

## Job Purpose

We are hiring a dynamic, target-oriented Sales Relationship Manager (RM) for our NBFC division. The ideal candidate will possess a strong background in Loan Against Property (LAP) and SME lending. You will be responsible for sourcing high-ticket clients, driving business growth, building an active DSA channel network, and managing the end-to-end loan lifecycle to meet monthly revenue targets.

### Roles & Responsibilities

• Client Acquisition: Identify, pitch, and acquire new customers through proactive field visits, corporate referrals, and internal lead generation.

• Product Promotion: Cross-sell and promote diverse NBFC financial products, specifically focusing on LAP (Loan Against Property), Business Loans, and Term Loans for SME clients.

• Financial Advisory: Analyze client financial profiles, understand their credit requirements, and recommend optimal structural loan solutions.

• End-to-End Deal Management: Manage the entire sales lifecycle—from initial prospecting, structural pitching, document collection (KYC & financials), to final file login and coordination for disbursal.

• Relationship Management: Nurture long-term corporate and retail customer relations to drive retention and referral business.

• Cross-Functional Collaboration: Partner closely with Credit, Risk, and Operations teams to ensure smooth underwriting, quick turn-around time (TAT), and hassle-free loan disbursement.

• Target Achievement: Consistently achieve or exceed designated monthly and quarterly sales/disbursal targets.

• Market Intelligence: Monitor market trends, tracking competitor offerings, interest rates, and evolving regulatory guidelines.

### Key Focus Areas & Competencies

• LAP Sourcing Expertise: Proven track record of sourcing high-ticket LAP customers.

• Credit & Document Assessment: Fundamental understanding of financial statements (ITRs, P&L, Balance Sheets) and property title/technical documents.

• Channel Management: Strong existing DSA (Direct Selling Agent) network and the capability to onboard new channel partners.

• Market Penetration: Prior business development experience spanning across Metro and Tier 2 markets.

• Tech Proficiency: Hands-on comfort utilizing CRM systems, lead-tracking tools, and digital sales platforms.

• Compliance & KYC: Absolute alignment with credit compliance, KYC policies, and standard regulatory frameworks.

### Skills, Experience & Qualifications

• Education: Any Graduate (Bachelor’s degree is mandatory). A Master’s degree/MBA in Business, Finance, or Marketing is preferred.

• Experience: Minimum 3+ years of core sales experience within an NBFC, bank, or financial services institution.

• Product Knowledge: Specialized, deep domain understanding of Asset/Mortgage products (LAP and unsecured Business Loans).

• Interpersonal Skills: Outstanding communication, sharp negotiation skills, and a confident personality for client-facing engagements.

• Drive: Highly self-motivated, proactive, and resilient under target-driven environments.

📋 Recruitment & Interview Process

The selection process consists of 3 assessment rounds:

• Round 1: Virtual Interview (HR/Initial screening)

• Round 2: Virtual Interview (Functional / Hiring Manager Round)

• Round 3: Virtual or Face-to-Face (F2F) Interview (Final Leadership Round)

❓ Candidate Screening Questionnaire

Please ensure candidates answer the following questions during application or initial screening:

1. Are you proficient in using CRM tools and MS Office applications (Word/Excel) for daily lead management and pipeline tracking?

   • [ ] Yes [ ] No

2. Do you possess a working knowledge of reading financial statements (ITRs, Balance Sheets) and evaluating legal/technical property documents for LAP sourcing?

   • [ ] Yes [ ] No

3. How many years of core experience do you have specifically in Loan Against Property (LAP) sourcing?

   • Answer: _______ Years

• It is a Full Time Field Sales job for candidates with 3 - 6 years of experience.