Sales Manager ( Team Handeling)

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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