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: Are you proficient in using CRM tools and MS Office applications (Word/Excel) for daily lead management and pipeline tracking? [ ] Yes [ ] No Do you possess a working knowledge of reading financial statements (ITRs, Balance Sheets) and evaluating legal/technical property documents for LAP sourcing? [ ] Yes [ ] No How many years of core experience do you have specifically in Loan Against Property (LAP) sourcing? Answer: _______ Years