Business Manager LAP

Job Summary

Location: Bhilwara
Department: Micro Business loan/LAP Sales
Function: Business Development & Relationship Management
Experience: 3-4+ years of relevant experience, including at least 1 year in a leadership role
Education: Minimum Graduate

About the Role

At AU Small Finance Bank, we are committed to empowering Micro, Small and Medium Enterprises (MSMEs) through innovative financial solutions and relationship-driven banking. We are looking for dynamic and customer-focused professionals to join our MSME Sales team and drive business growth while delivering exceptional customer experiences.

As a Business Manager (BM), you will be responsible for business development, portfolio management, customer acquisition, and leading market expansion initiatives within your assigned territory.

Key Responsibilities

Business Development & Sales

• Achieve assigned business and revenue targets.
• Drive customer acquisition through self-sourcing, market activities, and referrals.
• Organize and participate in marketing initiatives such as canopy activities, leafleting, customer meets, and local campaigns.
• Identify new business opportunities and develop strong sourcing channels.
• Build and maintain long-term relationships with customers and enhance AU Bank's brand presence in the market.

Customer Relationship Management

• Understand customer financial requirements and recommend suitable banking solutions.
• Resolve customer queries efficiently and ensure a seamless customer experience.
• Communicate product features, pricing, fees, and terms transparently.

Portfolio & Credit Management

• Conduct field investigations and physical verification of customers' residences, businesses, and assets.
• Verify financial documents, property papers, and customer references.
• Coordinate with Credit, Legal, Technical, Operations, and Collections teams for timely case processing.
• Prepare case appraisals, recommendations, and documentation for approvals and disbursements.
• Monitor portfolio health and support collections and delinquency management activities.

Team Leadership & Collaboration

• Guide and motivate team members to achieve business objectives.
• Conduct product training and knowledge-sharing sessions.
• Foster collaboration across internal departments and support new initiatives.

Compliance & Risk Management

• Ensure adherence to all regulatory and internal policies.
• Maintain confidentiality of customer and company information.
• Ensure accurate documentation and ethical business practices.
• Safeguard company assets and uphold the highest standards of integrity.

What We're Looking For

• Strong sales, negotiation, and relationship management skills.
• Knowledge of MSME lending products and local market dynamics including mortgage loan, property loan, business loan and loan against property.
• Understanding of financial statements, EMI calculations, interest concepts, and property-related documentation.
• Familiarity with KYC requirements, banking regulations, and credit processes.
• Excellent communication skills in regional language, Hindi, and English.
• Strong leadership, coordination, and problem-solving abilities.
• Proficiency in computer applications and smartphone usage.
• High customer orientation, ownership mindset, and willingness to work in the field.

Competencies

• Customer Focus
• Result Orientation
• Ownership & Accountability
• Integrity & Ethical Conduct
• Team Leadership
• Learning Agility
• Action Orientation
• Relationship Building

Disclaimer: This job posting and Location has been aggregated from external source. Role details, content, and availability are subject to change. Applicants are advised to confirm the latest information directly on the company website before applying.