Sales Manager - Secured Lending

Role & responsibilities

Source and acquire customers for secured/ unsecured loan

products in line with bank policies.

Achieve assigned disbursement, login, and productivity targets.

Conduct preliminary credit assessment, income evaluation, and

eligibility checks.

Ensure quality sourcing aligned with the banks risk appetite.

Manage end-to-end loan origination from sourcing to

disbursement.

Ensure 100% compliance with RBI guidelines, KYC/AML norms,

and Fair Practice Code.

Coordinate with Credit, Risk, Legal, Technical, and Operations

teams.

Maintain accurate documentation and audit-ready records.

Build and manage strong customer relationships for repeat

business.

Monitor portfolio performance and support early delinquency

management.

Cross-sell CASA and other bank products to enhance customer

value.

Manage and activate DSA/channel relationships.

Track TATs and ensure timely resolution of customer queries.

Preferred candidate profile

Knowledge of secured/ unsecured loans basic credit appraisal.

Understanding of banking processes, loan documentation, and

origination flow.

Awareness of RBI guidelines, KYC/AML norms, and Fair

Practices Code.

Strong sales, customer relationship, and communication skills.

Ability to work in a target-driven, field-oriented role.

Basic proficiency in CRM/LOS systems and MS Office.

Competency & Skills Required

Strong understanding of credit policies and banking processes

Knowledge of RBI regulations (KYC, AML, Fair Practices Code)

Sales orientation with target-driven approach

Financial analysis & documentation skills

Stakeholder management across Credit, Risk, Ops