Portfolio Business Manager LAP

Portfolio Business Manager – Micro Business Loan/LAP

Job Summary

We are looking for an experienced and result-oriented Portfolio Business Manager to lead business development, portfolio management, and team performance within the assigned cluster. The role is responsible for driving MSME/LAP business growth, managing customer relationships, ensuring portfolio quality, and coordinating with cross-functional teams for seamless loan processing and servicing.

Qualification

• Minimum Graduate.
  
  

Experience

• 5–7 years of relevant experience in Banking/NBFC/BFSI.
• Minimum 4 years of experience in a leadership role.
• Preferred experience in Business Loans, Loan Against Property (LAP),& Housing Loans.
  
  

Key Skills

• Strong sales, business development, and portfolio management capabilities.
• Sound understanding of MSME lending, mortgage products, and credit assessment.
• Knowledge of property documentation, legal and technical processes, EMI calculations, and financial analysis.
• Excellent leadership, team management, negotiation, communication, and relationship-building skills.
• Familiarity with the local market and business environment.
• Proficiency in Hindi and English.
• Computer proficiency and willingness to travel extensively.
  
  

Key Responsibilities Business Development

• Drive business growth by achieving assigned sales and portfolio targets.
• Identify new business opportunities and expand market presence through field marketing and customer acquisition initiatives.
• Build and strengthen relationships with new and existing customers.
  
  

Team Leadership

• Lead, mentor, and motivate the sales team to achieve business objectives.
• Conduct regular training sessions on sales processes, products, and incentive programs.
• Support team members through joint customer visits and field guidance.
  
  

Portfolio Management

• Monitor portfolio quality and coordinate with Collections to ensure healthy portfolio performance.
• Handle customer servicing, query resolution, and delinquent account management.
• Ensure timely follow-up on leads and business opportunities.
  
  

Credit & Operations

• Conduct customer, business, and property verification as per company policies.
• Review income, banking, legal, and property documents for loan processing.
• Prepare credit recommendations and coordinate with Credit, Legal, Technical, Operations, and other internal stakeholders for timely case approvals and disbursements.
• Ensure proper documentation and secure handling of customer files.
  
  

Reporting & Compliance

• Prepare and submit MIS, sourcing reports, portfolio reviews, and other business reports within timelines.
• Ensure compliance with company policies, regulatory requirements, and risk management guidelines.
• Maintain confidentiality of customer and company information.
• Safeguard company assets and uphold the highest standards of integrity and ethical conduct.
  
  

Key Competencies

• Customer Focus
• Business Acumen
• Leadership & Team Development
• Results Orientation
• Problem Solving
• Decision Making
• Relationship Management
• Integrity & Accountability
• Collaboration & Coordination
  
  

Key Stakeholders

Internal: Credit, Legal, Technical, Operations, Collections, MIS, and Business Teams.

External: Customers, Business Partners, and Market Intermediaries.