Senior Manager- Operations (NBFC)

Job Description – Senior Manager - Operations ( NBFC )

Industry: NBFC / Digital Lending / Financial Services

Location: Ernakulam (Kochi), Kerala

Department: Sales & Business Development

Employment Type: Full-time

Job Summary

We are looking for an energetic and result-oriented Sales Executive to drive business growth by promoting loan products, acquiring customers, developing referral networks, and achieving assigned sales and disbursement targets. The ideal candidate should possess strong communication, relationship-building, and field sales skills.

• Key Responsibilities

• 1. Business DevelopmentIdentify and generate new business opportunities within assigned markets.
• Develop and maintain an active pipeline of prospective customers.
• Conduct regular field visits, customer meetings, and business development activities.
• Promote loan products to suitable customer segments.
• Convert qualified leads into completed applications and loan disbursements.

• 2. Customer AcquisitionSource customers through direct sales, referrals, field activities, campaigns, and channel partners.
• Understand customers' financial requirements and recommend suitable loan products.
• Explain product features, eligibility criteria, interest rates, charges, repayment terms, and required documentation.
• Ensure transparent and responsible communication with customers.
• Support customers throughout the application and onboarding process.

• 3. Channel & Partner DevelopmentBuild and maintain relationships with dealers, Direct Selling Agents (DSAs), referral partners, and other business associates.
• Identify and onboard new channel partners as per company procedures.
• Generate regular business through assigned partners.
• Conduct partner visits and provide product and process support.
• Monitor partner performance and resolve service-related concerns.

• 4. Loan Application CoordinationAssist customers in completing loan applications and submitting the required documents.
• Conduct preliminary verification of customer and application details.
• Coordinate with credit and operations teams for verification, approval, and disbursement.
• Follow up on pending documents, queries, and approval conditions.
• Maintain accurate status updates for all sourced applications.

• 5. Target AchievementAchieve assigned monthly targets for leads, applications, sanctions, disbursements, and revenue.
• Maintain a healthy sales pipeline and follow-up schedule.
• Monitor daily and weekly performance against targets.
• Implement corrective actions where performance is below expectations.
• Contribute to branch and organisational business objectives.

• 6. Customer Relationship ManagementBuild long-term relationships with customers and referral sources.
• Maintain professional engagement throughout the customer lifecycle.
• Coordinate the resolution of application, disbursement, and service-related queries.
• Generate referrals from satisfied customers.
• Support repayment follow-ups when required, without engaging in unauthorised collection practices.

• 7. Market DevelopmentTrack local market conditions, competitor products, pricing, and customer preferences.
• Identify potential customer segments and unexplored business locations.
• Participate in promotional activities, customer meetings, and lead-generation campaigns.
• Provide market feedback to management for product and sales strategy improvement.
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• 8. Compliance & ReportingFollow RBI guidelines, KYC and AML requirements, fair practice standards, and internal policies.
• Ensure customer information and documents are authentic and complete.
• Avoid misrepresentation, unauthorised commitments, and unethical sourcing practices.
• Update all leads, follow-ups, applications, and closures in the CRM or designated tracker.
• Submit accurate daily, weekly, and monthly sales reports.
• Key Performance Indicators (KPIs)Number of leads generated
• Qualified lead conversion rate
• Loan applications sourced
• Sanction and disbursement value
• Monthly revenue achievement
• Customer acquisition cost
• Lead-to-disbursement turnaround time
• Channel partner productivity
• Documentation accuracy
• Customer retention and referrals
• Portfolio quality of sourced customers
• CRM and reporting compliance
• Qualification & ExperienceGraduate or postgraduate degree in Commerce, Finance, Banking, Business Administration, Marketing, or a related discipline.
• Experience in financial product sales, vehicle finance, loans, insurance, banking, fintech, or NBFC operations is preferred.
• Freshers with excellent communication skills, strong sales aptitude, and willingness to undertake fieldwork may also apply.
• A valid driving licence and personal vehicle will be an added advantage.
• Required Skills & CompetenciesStrong communication and interpersonal skills
• Sales, persuasion, and negotiation ability
• Customer relationship management
• Target-oriented and self-motivated approach
• Lead generation and follow-up discipline
• Basic understanding of loans and financial products
• Local market knowledge
• Good computer and CRM knowledge
• Documentation and reporting accuracy
• Willingness to travel extensively within the assigned territory
• High standards of integrity and professional conduct