Responsible for financing the short-term, medium-term,
and long-term working capital and supply chain needs of SMEs through a suite of customized
products with varied tenures.
• The key business metrics for success include loan book size, profitability, and a zero-tolerance
approach to delinquency.
• A strong understanding of business finance, loan structuring techniques, and credit administration is
essential to building credibility with customers and gaining a competitive edge.
• Deep knowledge of local market dynamicsincluding specific occupations/trades, industries, and
local financial and investment preferences—is critical for structuring loans effectively and identifying
new business opportunities.
• Expand market share in targeted locations and outpace competition.
• Continuously upgrade financial acumen, including knowledge of loan structuring methods and
business financials, to build trust and credibility with customers.
• Stay informed about recent market trends and evolving local market preferences to align with
customer needs.
• Ensure strong credit quality by conducting effective portfolio selection and pre-screening to minimize
the risk of non-performing assets (NPAs).
• Safeguard financed amounts by conducting post-sanction surveillance, maintaining strong client
relationships, and monitoring collateral to ensure the complete safety of the financing.
Key Responsibilities:
1. Sales Growth
Achieve sales targets through the following actions:
• Drive pipeline funnel to achieve book size and market share.
• Monitor local market trends and competitive offerings, identifying opportunities for business
expansion in the region.
• Ensure minimal client attrition through solid client engagement activities.
• Regularly engage with investment bankers, chartered accountants,
and brokers to source new
business.
• Raise escalation on delinquent cases/potential NPAs and closely monitor these through the team for
collection dues.
• Track key accounts in the portfolio for business health and early warning signs of NPAs.
2. Client Acquisition & Relationship Management
• Acquisition of new clients by identifying potential leads and conversion strategies.
• Increase area business volume through strong cross-selling initiatives and innovative product
offerings.
• Cultivate deeper customer relationships by ensuring faster turnaround times (TATs) in collaboration
with Credit Analysts.
• Utilize technology to improve operational efficiencies and responsiveness in customer service,
ensuring retention of existing customers.
3. Disbursal - Timely Loan Disbursement with Proper Documentation
• Coordinating with internal stakeholders to process loan applications.
• Responding to queries from internal teams to ensure timely and accurate disbursal.
• Completing transactions with customers with the appropriate documentation.
4. Market Intelligence
• Gather market intelligence on competitive strategies, policies, and processes regularly.
• Share the collected market intelligence with the Area Sales Manager to adjust business tactics
accordingly.
5. Portfolio Quality & Profitability
• Track overdue accounts daily for the business and ensure timely collections.
• Intervene to ensure collection on initial overdue accounts in a timely manner.
• Ensure profitability by applying appropriate pricing strategies and processing fees.
• Implement cost management initiatives on a timely and accurate basis.
6. Organization Process Efficiency
• Adhere to all processes for both pre and post-sourcing activities.
• Provide input to the Area Sales Manager for the Sales MIS to improve reporting and operational
performance.