Job Profile – Business Manager (Microfinance)Position: Business Manager – Microfinance

Products: Personal Loan, Group Loan, Home Loan

Department: Business / Sales & Operations

Reporting To: Area/Regional Manager

- Key Responsibilities1. Business DevelopmentAchieve monthly, quarterly, and annual business targets.
- Develop new customer and market opportunities.
- Increase loan disbursement and portfolio growth.
- Build relationships with customers, local communities, and business partners.
- Identify recent branches/markets with business potential.

2. Product ManagementPersonal Loan

- Generate and manage individual personal loan leads.
- Ensure proper customer eligibility and documentation.
- Monitor approval, disbursement, and customer service.

Group Loan

- Identify and develop suitable borrower groups.
- Conduct group meetings and customer awareness activities.
- Ensure proper KYC, verification, documentation, and group discipline.
- Monitor repayment performance and portfolio quality.

Home Loan

- Generate home-loan leads through direct sales and local market networks.
- Coordinate customer, property, and document verification.
- Follow up with credit, legal, technical, and operations teams until disbursement.
- Maintain strong relationships with home-loan customers.
- 3.



Team ManagementLead, train, and motivate Sales Officers/Relationship Officers.
- Allocate business targets and monitor daily performance.
- Conduct regular field visits with team members.
- Review productivity, conversion, collection, and portfolio reports.
- Take corrective action for underperforming employees.
- 4. Collection & Portfolio ManagementMonitor EMI/repayment performance and overdue accounts.
- Ensure timely collection and reduction of delinquency.
- Follow up on overdue and high-risk accounts.
- Maintain portfolio quality and minimize PAR/NPA.
- Coordinate with collection teams for difficult cases..
- 3–7 years of experience in microfinance, NBFC, banking, or retail lending.
- Experience in field sales, loan sourcing, collections, and team management.
- Knowledge of Personal Loan, Group Loan, and/or Home Loan products is preferred.
- Good knowledge of the local market and customer segment.
- Required SkillsSales and business development
- Team leadership
- Customer relationship management
- Credit and portfolio understanding
- Collection management
- Field operations
- Communication and negotiation
- MS Office/MIS reporting
- Problem-solving and decision-making

📌 Business Development Manager (BDM) (Pune)
🏢 Shree Ashtavinayak Global Fintech Private
📍 Pune