Job Description: Business Loan Executive / Manager (PAN India)

Role Title:

Business Loan Officer / Relationship Manager Business Loans

Location:

Pan India (Openings across multiple metro & nonmetro locations)

Department:

Business Loans / SME Lending / MSME Finance

Key Responsibilities

1. Business Acquisition & Sales

- Identify and acquire new customers for business loans (SME/MSME/Working Capital/Term Loans).
- Generate leads through field visits, channel partners, DSAs, references, and existing customer portfolios.
- Achieve monthly sales targets for unsecured and secured business loan products.

2. Customer Assessment & Profiling

- Assess customer financial needs, business performance, banking patterns, turnover, and credit exposure.
- Conduct detailed discussions to evaluate loan eligibility and repayment capability.
- Guide customers on required business loan documentation and product features.

3. Credit & Risk Evaluation

- Coordinate with credit teams for financial analysis and eligibility checks.
- Ensure compliance with KYC, income proofs, business documents, GST filings, bank statements, and collateral verification (for secured loans).
- Mitigate risks by performing field investigations, reference checks, and business stability assessments.

4. Relationship Management





- Build and maintain solid relationships with SME/MSME clients, vendors, and channel partners.
- Provide continuous support regarding loan applications, approvals, disbursements, and postdisbursement servicing.
- Handle customer escalations to ensure a high satisfaction level.

5. Documentation & Coordination

- Ensure accurate documentation, application processing, and timely submission.
- Coordinate with internal teams (operations, legal, credit, technical valuers) for faster processing.
- Maintain MIS reports on leads, conversions, pipeline, and disbursement status.

Required Skills & Competencies

Technical Skills

- Knowledge of SME lending, business loan products, credit policies, and eligibility norms.
- Understanding of financial documents such as GST returns, balance sheets, P&L;, bank statements.
- Familiarity with secured loan processes (property evaluation, legal checks) is an advantage.

Soft Skills

- Excellent communication, negotiation, and customerhandling skills.
- Strong analytical ability and understanding of business financials.
- Ability to work in a target-based environment.

Qualifications

- Graduate / MBA preferred (Finance, Marketing).
- 1–8+ years of experience in Business Loans / SME Finance / Banking / NBFC sales.

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