సేల్స్ ఎగ్జిక్యూటివ్

We are looking for a Sales Executive to join our team at Sds Concept Solutions. This role involves managing essential data processes, ensuring accuracy, and providing administrative support. Get a salary of ₹12,000 - ₹20,000 along with career growth opportunities in a collaborative environment.

Key Responsibilities:

• Maintain data and ensure it is accessible for seamless operations.

• Verify information, spot data discrepancies, and resolve them promptly.

• Organize and manage both digital and physical records to optimize access.

• Assist in various administrative functions to support department efficiency.

• Generate and present reports to internal teams for informed decision-making.

• Handle all sensitive data with strict confidentiality.

Job Requirements:

The minimum qualification for this role is 12th Pass and 1 - 4 years of experience. The position requires strong organizational skills, attention to detail, and the ability to handle multiple tasks. Job Description: Loan Sales Executive / Relationship Officer

Organization: SDS Concept Solutions
Department: Banking and Financial Services
Products: Personal Loans, Business Loans, Home Loans, and Overdraft Facilities
Employment Type: Full-time

Role Summary

SDS Concept Solutions is seeking a results-driven Loan Sales Executive / Relationship Officer to generate leads, understand customers' financial requirements, recommend suitable loan products, and manage applications from initial enquiry through disbursement. The role requires strong sales ability, financial-product knowledge, customer relationship management, and coordination with banks, NBFCs, DSAs, and internal operations teams.

Key Responsibilities

• Generate qualified leads for personal loans, business loans, home loans, and overdraft facilities.

• Contact prospective customers through cold calling, referrals, field visits, digital leads, and corporate networks.

• Understand customers' income, business profile, borrowing requirements, repayment capacity, and credit history.

• Recommend suitable loan products, lenders, interest-rate options, loan amounts, and repayment tenures.

• Explain eligibility criteria, documentation requirements, processing fees, interest rates, EMIs, foreclosure terms, and other charges.

• Conduct preliminary assessments of credit scores, income documents, bank statements, GST returns, ITRs, and property papers.

• Collect, verify, and organize KYC, financial, employment, business, and property documents.

• Log applications accurately and coordinate with banks and NBFCs for credit assessment, sanction, and disbursement.

• Follow up with customers, credit teams, legal teams, technical teams, and lenders to resolve application queries.

• Maintain an updated sales pipeline and track cases from lead generation to loan disbursement.

• Achieve monthly targets for logins, sanctions, disbursements, revenue, and conversion rates.

• Build long-term relationships with customers, channel partners, builders, chartered accountants, real-estate agents, and business owners.

• Identify opportunities for cross-selling, balance transfers, top-up loans, and overdraft limits.

• Maintain accurate customer and application records in CRM or loan-management systems.

• Ensure compliance with KYC, AML, data-privacy, fair-practice, and responsible-lending requirements.

• Provide professional post-disbursement support and encourage customer referrals.

Required Skills

• Loan product knowledge: Personal loans, business loans, home loans, loan against property, balance transfers, top-up loans, and overdraft facilities.

• Credit assessment: Credit-score review, FOIR calculation, debt-to-income analysis, banking review, repayment-capacity assessment, and basic underwriting.

• Financial-document analysis: Salary slips, Form 16, ITRs, GST returns, profit-and-loss statements, balance sheets, and bank statements.

• Home-loan processing: Property-document review, legal and technical coordination, valuation follow-up, and disbursement formalities.

• Business-loan processing: Business-vintage assessment, turnover analysis, cash-flow evaluation, and secured versus unsecured lending knowledge.

• Overdraft knowledge: Drawing power, sanctioned limits, utilization, renewals, collateral, interest calculations, and account conduct.

• Lead generation and prospecting

• Consultative and field sales

• Customer relationship management

• Cold calling and objection handling

• Negotiation and closing

• Documentation and file login

• Bank and NBFC coordination

• CRM and pipeline management

• Target achievement and revenue generation

• Cross-selling and referral development

• Communication in English, Hindi, and relevant regional languages

• MS Excel, Word, email, and digital loan portals

• Attention to detail, integrity, follow-up discipline, and time management

Qualifications and Experience

• Graduate in Commerce, Business Administration, Finance, Marketing, or a related field preferred.

• 1-4 years of experience in banking, NBFC, fintech, DSA, mortgage, or loan sales preferred.

• Fresh graduates with strong communication and sales aptitude may also be considered.

• Existing relationships with bankers, channel partners, builders, or local businesses are an advantage.

• Willingness to travel locally and meet customers.

• Ability to work under targets while maintaining service quality and compliance.

Performance Indicators

• Number and quality of leads generated

• Application login and approval ratio

• Sanction and disbursement value

• Monthly revenue and target achievement

• Lead-to-disbursement conversion rate

• Turnaround time and document accuracy

• Customer satisfaction and referral generation

• Portfolio quality and compliance adherence

within 5 km need candidates

• It is a Full Time టెలిసెల్స్ / టెలిమార్కెటింగ్ job for candidates with 1 - 4 years of experience.