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
Business Acquisition & Sales
Identify and acquire recent 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.
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.
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.
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.
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.
Robust 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.

📌 Sales Manager Kolkata
🏢 Yes Bank
📍 Kolkata