Function: Sales / Business Development
Location: Kolkata
Reporting To: Area Sales Manager / Cluster Head

Role Objective

Drive business growth in the Loan Against Property (LAP) segment by sourcing and managing secured lending opportunities within the 10 Lakhs to 3 Crore ticket size, ensuring portfolio quality, compliance, and profitability.

Key Responsibilities

Business Development & Sales

- Acquire new customers through multiple channels such as DSAs, connectors, brokers, and direct sourcing.
- Drive LAP business with focus on self-sourcing and channel activation.
- Achieve monthly and quarterly disbursement targets.
- Build and manage a strong pipeline of secured lending opportunities.

Channel Management

- Identify, onboard, and manage DSA / Channel Partners for business sourcing.
- Ensure productivity and activation of channel partners.
- Maintain long-term relationships to drive consistent business flow.

Customer Handling

- Understand customer financial requirements and propose suitable LAP solutions.
- Coordinate with credit, legal, and technical teams for faster processing.
- Ensure a seamless customer experience from lead generation to disbursement.

Credit & Risk Coordination

- Conduct initial customer profiling and eligibility assessment.
- Ensure proper documentation and adherence to internal compliance norms.
- Work closely with credit teams to improve approval rates while maintaining risk standards.

Portfolio Quality





- Maintain healthy portfolio quality with focus on low delinquency and minimal NPAs.
- Monitor early warning signals and support collections where required.

Market Intelligence

- Track competitor offerings, interest rates, and market trends.
- Identify opportunities for business expansion in assigned geography.

Key Performance Indicators (KPIs)

- Disbursement volume ( value)
- Number of files logged and approved
- Self-sourcing ratio
- Channel productivity
- Portfolio quality (Delinquency / Bounce %)
- Conversion ratio (Login to disbursement)

Eligibility Criteria

Education

- Graduate / Postgraduate (MBA preferred)

Experience

- 3-8 years of experience in secured lending (LAP / Mortgage Loans / Housing Loans)
- Proven track record in managing ticket sizes 10 Lakhs 3 Crore

Key Skills & Competencies

- Strong sales and negotiation skills
- Deep understanding of secured lending products
- Channel / DSA management expertise
- Good knowledge of credit policies and documentation
- Relationship building and stakeholder management
- Result-oriented with strong execution ability

Preferred Candidate Profile

- Candidates with an existing DSA/connector network will be preferred
- Strong local market knowledge
- Ability to work in a target-driven setting

Compensation

- Competitive fixed salary + performance incentives + reimbursement as per company policy

Perks and benefits

Performance bonus, Medical Insurance, Term life insurance, Accident insurance and Petrol allowance

📌 Secured Sales Manager Loan Against Property (Kolkata)
🏢 Aditya Birla Capital (ABCL)
📍 Kolkata