: Sales Executive / Senior Executive – Personal Loans & Overdraft (PL/OD)

Role Title: Sales Executive / Senior Executive – Personal Loans & Overdraft

Department: Retail Assets / Consumer Lending

Experience Required: 1 to 3 Years

Location: [Insert City/Branch]

Employment Type: Full-time

Role Overview

We are looking for an energetic and goal-driven Sales Executive with 1–3 years of experience in retail lending to drive our Personal Loan (PL) and Overdraft (OD) products. In this role, you will be responsible for sourcing, processing, and closing unsecured loan applications through direct selling, channel partners, and cross-selling to existing clients.

Key Responsibilities

- Business Development & Sourcing: Acquire new customers for Personal Loans and Overdraft facilities through direct sales activities, open market sourcing, cold calls, and corporate tie-ups.
- DSA & Channel Management: Onboard, manage, and leverage Direct Selling Agents (DSAs) and connector networks to drive consistent lead flow.
- Lead Qualification & Evaluation: Assess customer profiles, income documentation (pay slips, bank statements, ITRs), and credit readiness (CIBIL score) before initiating applications.
- End-to-End Application Tracking: Guide customers through document collection, login, verification, underwriting queries,



and loan disbursement.
- Cross-Selling: Identify opportunities to cross-sell allied financial products (insurance, credit cards) to PL/OD applicants.
- Relationship Building: Maintain strong relationships with corporate HRs, channel partners, and existing clients for repeat business and referrals.
- Target Achievement: Consistently meet or exceed monthly and quarterly volume, payout, and disbursement targets.

Required Qualifications & Skills
- Education: Graduate in any discipline (Bachelor’s degree in Business, Commerce, or Finance preferred).
- Experience: 1–3 years of proven experience in selling Personal Loans, Overdrafts, or unsecured retail lending products in a Bank, NBFC, or Fintech company.
- Product Knowledge: Solid understanding of unsecured lending eligibility norms, financial document analysis, credit bureau reports (CIBIL/Experian), and OD facility structures.
- Sales Acumen: Proven track record of hitting monthly disbursement targets in open market or DSA-driven setups.
- Communication: Robust interpersonal, negotiation, and persuasive skills in English and the local language.

Pay: ₹15,000.00 - ₹25,000.00 per month

Work Location: In person

📌 Sales Executive (Noida)
🏢 Sales Executive
📍 Noida