Sales Manager - Secured Lending

Job Role Purpose & Objective: (Brief summary for the existence of the job role)
To drive growth in the bank’s Retail & MSME Asset portfolio by sourcing and managing customers
for secured/ unsecured business loans, while ensuring strict adherence to RBI regulations,
internal credit policies, and audit/compliance standards.

KEY DUTIES & RESPONSIBILITIES OF THE ROLE
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 bank’s 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.

MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS
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.
Educational Qualifications Graduation and above

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