Sales Manager - SME

Aditya Birla Housing Finance

Job Description: SME – Sales Manager ( High value Ticket Size)

Ticket Size: ₹25 Lakhs – ₹5 Crores

CTC - 8.50 LPA

Location: Patna / Ranchi / Bhubaneshwar / Kolkata

Role Purpose

The Relationship Manager – Prime LAP (Loan Against Property) will be responsible for sourcing, evaluating, and managing high-value secured lending opportunities within the SME segment. The role focuses on building strong customer relationships, driving business growth, and ensuring high portfolio quality.

Key Responsibilities

Business Development

• Acquire new SME customers for LAP products within the defined ticket size (₹25L – ₹5Cr).
• Generate business through open market sourcing, channel partners, DSAs, and referrals.
• Build and maintain a healthy pipeline to consistently achieve disbursement targets.
• Identify cross-sell opportunities across other financial products (Insurance, Wealth, etc.).

Client Relationship Management

• Develop long-term relationships with SME clients and key stakeholders.
• Act as a single point of contact for client queries and service needs.
• Ensure high customer satisfaction and retention.

Credit Assessment & Structuring

• Understand customer financials, business models, and funding requirements.
• Conduct initial screening and documentation for loan applications.
• Coordinate with credit teams to structure deals and ensure timely approvals.
• Maintain quality of sourcing with low delinquency and strong risk assessment.

Portfolio Management

• Monitor existing portfolio and ensure asset quality.
• Track repayments, identify early warning signals, and minimize delinquency.
• Drive collections support wherever required.

Compliance & Process Adherence

• Ensure adherence to internal policies, regulatory guidelines, and KYC norms.
• Maintain proper documentation and audit-ready files.
• Follow TATs for login, sanction, and disbursement processes.

Key Performance Indicators (KPIs)

• Disbursement value and achievement of targets
• Portfolio quality (Low NPA/Delinquency levels)
• Customer acquisition and retention
• Cross-sell revenue contribution
• TAT adherence and process compliance

Eligibility Criteria

Educational Qualification

• Graduate in any discipline (MBA/PGDM preferred)

Experience

• 3–8 years of experience in LAP/SME/secured lending roles
• Proven track record in handling mid-to-large ticket size loans

Required Skills & Competencies

• Strong understanding of LAP and SME lending products
• Knowledge of financial statement analysis and credit evaluation
• Excellent relationship management and negotiation skills
• Strong market connect and sourcing capability
• Result-oriented with high ownership and accountability

Key Stakeholders

• Internal: Credit, Operations, Risk, Collections, Product Team
• External: Clients, Channel Partners, DSAs, Brokers

Location

• Patna / Ranchi / Bhubaneshwar / Kolkata

Why Join Us

• Opportunity to manage high-value SME portfolios
• Exposure to structured lending and credit decisioning
• Growth-oriented role with strong performance incentives

Perks and benefits

·        Performance bonus, Medical Insurance, Term life insurance, Accident insurance and Petrol allowance 

Share Your CV - Sudipta Adhikary - Senior HR Consultant 

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