Sales Executive

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The job profile of Sales executive is to process personal loans and overdrafts. Please share a job description for this.

Here is a clean, modern, and results-oriented job description tailored for a Sales Executive specializing in personal loans and overdrafts. It balances the sales drive needed for retail banking with the customer care required for handling personal finance.

Job Description: Sales Executive – Personal Loans & Overdrafts

Department: Retail Lending / Consumer Banking

Reports To: Sales Manager / Branch Manager

Employment Type: Full-time

Job Purpose

The Sales Executive is responsible for driving revenue growth by actively identifying, prospecting, and closing personal loan and overdraft opportunities. This role acts as a trusted advisor to clients, evaluating their financial needs and matching them with the right credit solutions while maintaining a high standard of compliance and customer service.

Key Responsibilities

Sales & Business Development: Meet and exceed monthly targets for personal loan volumes, overdraft setups, and cross-selling related financial products (e.g., insurance, credit cards).

Lead Generation & Prospecting: Source new customers through outbound calling, networking, field visits, and building relationships with corporate partners for salary-account tie-ups.

Customer Consultation: Analyze client financial profiles, understand their borrowing needs, and recommend appropriate credit limits, repayment structures, and interest rate options.

Documentation & Credit Assessment: Collect, verify, and compile all necessary customer documents (KYC, income statements, credit history) to ensure application files are complete and meet internal credit underwriting policies.

Relationship Management: Manage the customer journey from the initial pitch to the final disbursement of funds, ensuring a smooth, transparent, and fast onboarding process.

Market Intelligence: Stay updated on competitive banking products, interest rates, and market trends to effectively position the bank’s offerings against competitors.