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Ticket Size: 10 Lakhs 5 Crores

Role Purpose

The Sales Manager - Informal (Housing Finance) will be responsible for sourcing, evaluating, and managing high-value secured lending opportunities within the Prime segment. The role focuses on building strong customer relationships, driving business growth, and ensuring high portfolio quality.

Key Responsibilities

Business Development

- Acquire new Prime customers for LAP products within the defined ticket size (10L 5Cr).
- Generate business through open market sourcing, channel partners, DSAs, and referrals.
- Build and maintain a healthy pipeline to consistently achieve disbursement targets.
- Identify cross-sell opportunities across other financial products (Insurance, Wealth, etc.).

Client Relationship Management

- Develop long-term relationships with SME clients and key stakeholders.
- Act as a single point of contact for client queries and service needs.
- Ensure high customer satisfaction and retention.

Credit Assessment & Structuring

- Understand customer financials, business models, and funding requirements.
- Conduct initial screening and documentation for loan applications.
- Coordinate with credit teams to structure deals and ensure timely approvals.
- Maintain quality of sourcing with low delinquency and strong risk assessment.

Portfolio Management

- Monitor existing portfolio and ensure asset quality.
- Track repayments, identify early warning signals, and minimize delinquency.
- Drive collections support wherever required.

Compliance & Process Adherence





- Ensure adherence to internal policies, regulatory guidelines, and KYC norms.
- Maintain proper documentation and audit-ready files.
- Follow TATs for login, sanction, and disbursement processes.

Key Performance Indicators (KPIs)

- Disbursement value and achievement of targets
- Portfolio quality (Low NPA/Delinquency levels)
- Customer acquisition and retention
- Cross-sell revenue contribution
- TAT adherence and process compliance

Eligibility Criteria

Educational Qualification

- Graduate in any discipline (MBA/PGDM preferred)

Experience

- 38 years of experience in Informal lending roles
- Proven track record in handling mid-to-large ticket size loans

Required Skills & Competencies

- Strong understanding of LAP and SME lending products
- Knowledge of financial statement analysis and credit evaluation
- Excellent relationship management and negotiation skills
- Strong market connect and sourcing capability
- Result-oriented with high ownership and accountability

Key Stakeholders

- Internal: Credit, Operations, Risk, Collections, Product Team
- External: Clients, Channel Partners, DSAs, Brokers

Location

- Kolkata / Cuttack / Rourkela

Why Join Us

- Prospect to manage high-value SME portfolios
- Exposure to structured lending and credit decisioning
- Growth-oriented role with strong performance incentives

Perks and benefits

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

📌 Sales Manager - Informal (Kolkata)
🏢 Aditya Birla Housing Finance
📍 Kolkata