Role Purpose The BSM

will be responsible for building and scaling a high-quality lending business through strong sales execution, disciplined market development, relationship-led sourcing, and robust portfolio management. The role requires a mature sales leader who can independently drive business growth through contractor ecosystems, parent company networks, local market relationships, and team/channel productivity while ensuring compliance, credit discipline, collection efficiency, and long-term customer value. This position is suitable for a target-driven qualified with strong command over sales planning, lead generation, stakeholder management, field execution, collections coordination, and sustainable portfolio growth. The candidate should be comfortable working in a high ownership environment and should demonstrate both hunter mindset and relationship maturity.

Key Responsibilities

Business Growth & Sales Own monthly, quarterly, and annual disbursement targets for the assigned geography or branch. Develop a strong sales pipeline through contractor ecosystem, parent company teams, referrals, field visits, local connectors, and market intelligence. Convert qualified leads into profitable lending customers while maintaining sourcing quality and credit discipline. Identify new business pockets, underserved customer segments, and repeat-business opportunities within the assigned market. Track funnel productivity, conversion ratios, rejection reasons, and customer drop-offs to continuously improve sales performance. Drive revenue through processing fees, cross-sell opportunities, renewal business, topup opportunities, and repeat customer engagement where applicable. Relationship, Ecosystem & Market Development Build and maintain productive relationships with parent company employees, field teams, contractors, channel partners, and local influencers.



Participate in and independently drive contractor meetings, engagement programs, field campaigns, and customer education activities. Strengthen brand visibility and trust within the contractor and MSME community through consistent market presence. Generate referral-led and relationship-led business through structured follow-ups and ecosystem activation. Provide regular market feedback on customer needs, competitor activities, pricing expectations, documentation challenges, and product improvement opportunities. Team, Channel & Productivity Management Guide sales executives, field officers, relationship managers, or channel partners wherever applicable. Set clear activity plans, daily productivity expectations, follow-up discipline, and customer meeting routines. Coach team members on lead qualification, customer pitch, documentation readiness, objection handling, and responsible sourcing. Review productivity reports, pending cases, sanction-to-disbursement movement, and collection coordination on a regular basis. Create a performance-driven working rhythm through market visits, periodic reviews, and corrective action plans. Collections & Portfolio Management Ensure strong collection efficiency and support achievement of 100% on-time collection from eligible customers. Monitor portfolio health through early-warning indicators, overdue trends, repayment behaviour, and customer follow-up discipline. Coordinate with collection, credit, IT and operations teams for timely resolution of delinquency, repayment issues,



and documentation gaps. Drive proactive recovery efforts and field-level intervention wherever required. Minimize PAR, bounce cases, roll-forward risk, and credit losses through responsible sourcing and continuous portfolio monitoring. Operations & Compliance Ensure strict adherence to KYC, documentation, credit policy, internal process, audit, and regulatory requirements. Coordinate with Credit, Operations, Risk, Legal, Collections, and HO teams for smooth login, sanction, disbursement, and customer servicing. Maintain accurate MIS, customer records, visit reports, pipeline updates, and business review inputs. Ensure ethical selling, transparent customer communication, and zero tolerance for misrepresentation or policy deviation. Drive faster turnaround time without compromising compliance, documentation quality, or credit standards. Desired Candidate Profile Graduate or MBA/PGDM preferred, with strong exposure to sales, business development, lending, financial services, or channel-led customer acquisition. Preferred experience of 5–10 years for BSM and 7–12 years for ASM, with at least 2 years in team or territory handling for senior roles. Proven track record in achieving sales targets, expanding market reach, managing customer relationships, and maintaining portfolio quality. Experience in NBFC, banking, business loans, MSME finance, LAP, secured/unsecured lending, microfinance, or contractor/customer ecosystem lending will be highly relevant. Strong local market knowledge, field orientation, negotiation ability, customer handling maturity, and comfort with target-driven execution. Must demonstrate ownership, integrity, discipline, compliance orientation, and ability to work independently with minimal supervision.

Pay: ₹500,000.00 - ₹600,000.00 per year

Work Location: In person

📌 Branch Sales Manager (NBFC/Small Finance/Micro Finance) (Navi Mumbai)
🏢 Adhaan Hiring Edge Solution
📍 Navi Mumbai