Sales Manager - Business Loan

JOB DESCRIPTION

Sales Manager – Business Loans / Unsecured Loans

Department: Sales

Designation: Sales Manager

Industry: NBFC / Financial Services

Employment Type: Full-Time

Location: [Location]

Experience: 3–7 Years

Reporting To: Regional Sales Manager / Business Head

About the Role

We are looking for an experienced and target-oriented Sales Manager with strong experience in NBFC, unsecured business loans, SME loans, and working capital products.

The ideal candidate should have a proven track record of generating business through DSAs, connectors, channel partners, direct sourcing, and other sales channels, with the ability to independently drive a monthly business volume of ₹2–3 Crores.

Key Responsibilities

Drive monthly disbursement/business targets of ₹2–3 Crores for unsecured business loans.

Develop and manage a strong network of DSAs, DSAs agencies, connectors, channel partners, and direct customers.

Generate new business opportunities through market visits, references, partnerships, and lead-generation activities.

Identify and acquire SME/MSME/business loan customers requiring unsecured funding.

Manage the complete sales cycle from lead generation and customer acquisition to sanction and disbursement.

Understand customer financial requirements and recommend suitable loan products.

Coordinate closely with Credit, Operations, Risk, Legal, and Collections teams to ensure smooth processing and timely disbursement.

Maintain a healthy sales pipeline and regularly track leads, login, approval, sanction, and disbursement status.

Ensure achievement of monthly, quarterly, and annual sales targets.

Monitor competitor activities, market trends, pricing, and customer requirements.

Build long-term relationships with existing customers and channel partners to generate repeat business and referrals.

Ensure proper documentation and adherence to company policies, credit guidelines, KYC, and regulatory requirements.

Prepare and submit regular sales reports, MIS, and performance updates to management.

Guide and mentor sales executives/relationship managers where applicable.

Target & Business Expectations

Monthly Business Target: ₹2–3 Crores+

The candidate should be comfortable working in a high-target NBFC sales environment and should have demonstrated experience in achieving significant monthly disbursement volumes.

Candidate Profile

Bachelor's degree in any discipline.

3–7 years of experience in NBFC, banking, fintech, or financial services sales.

Strong experience specifically in unsecured business loans / SME loans / MSME loans / working capital loans.

Existing relationships with DSAs, connectors, CA networks, business consultants, or other sourcing channels will be an advantage.

Proven track record of achieving monthly sales/disbursement targets.

Strong knowledge of the loan sales and disbursement process.

Good understanding of customer profiling, basic financial assessment, and credit requirements.

Excellent communication, negotiation, relationship-management, and networking skills.

Strong market knowledge and willingness to travel for business development.

Key Performance Indicators (KPIs)

Monthly disbursement: ₹2–3 Cr+

Number and quality of new customer acquisitions

Lead-to-login conversion

Login-to-sanction conversion

Sanction-to-disbursement conversion

DSA/channel partner acquisition and activation

Repeat business and customer referrals

Portfolio quality and adherence to company credit policies

Timely submission of MIS and sales reports

Preferred Experience

Candidates currently working with or having experience in:

NBFCs

Banks

Fintech companies

Digital lending companies

SME/MSME lending companies

Business loan providers

Unsecured loan products