Manager - Loan Against Property (LAP) & SME Finance

Overview

An established funding and lending client based in Pune is seeking an experienced Manager for Loan Against Property (LAP) and SME finance. The role involves driving business development, portfolio management, team leadership, and channel management to grow and maintain a strong loan book. The candidate should have a robust understanding of credit underwriting, financial assessment, and market dynamics within the LAP and SME lending sectors.

Key Responsibilities

• Lead sourcing and acquisition of quality LAP and SME loans in Pune and adjacent markets.
• Strategize and implement territory-wise business plans to meet monthly, quarterly, and yearly targets.
• Establish and nurture sourcing channels with direct sales teams, DSAs, brokers, and referral partners.
• Maintain a healthy sales pipeline and growth plan for Assets Under Management (AUM).
• Perform initial evaluations of loan applications covering credit, legal, technical, and financial aspects.
• Assess borrower profiles, property collateral, eligibility, and repayment capabilities.
• Coordinate with credit, legal, technical, and operations teams to ensure efficient loan processing and disbursement.
• Ensure lending complies with company policies, regulations, and guidelines.
• Recruit, train, and mentor high-performing sales and business development teams.
• Set performance standards and KPIs to enhance productivity and meet targets.
• Manage relationships with channel partners and sourcing agencies.
• Promote a culture focusing on accountability, customer service, and performance excellence.
• Monitor business profitability by considering costs, operating expenses, and portfolio returns.
• Prepare forecasts, sales plans, MIS reports, and dashboards.
• Analyze market and competitor trends to identify new growth avenues.
• Take necessary corrective actions to ensure achievement of monthly, quarterly, and yearly goals.
• Oversee portfolio health with emphasis on collections, asset quality, and minimizing NPAs.
• Maintain timely collections, customer servicing, and post-disbursement relationship management.

Candidate Profile

• 10 to 15 years’ experience in LAP, SME loans, business loans, mortgage lending, or with NBFCs, banks, or other financial institutions.
• Expertise in credit underwriting, property evaluation, legal documentation, and lending workflows.
• Proven record in sourcing business, managing territories, and handling teams effectively.
• Successful track record of meeting sales targets, growing portfolios, and achieving profitability.
• Strong leadership, negotiation, analytical, and stakeholder management capabilities.
• Excellent customer relationship and service orientation.
• Ability to excel in a dynamic, target-driven work environment.

Mandatory Skills

• Loan Against Property (LAP)
• SME Lending and Business Loans
• Business Development and Sales
• Credit Assessment and Underwriting
• Team Leadership and Management
• Channel Sales and DSA Partnerships
• Portfolio Management
• Customer Relationship Management
• Collections and Recovery Monitoring
• Negotiation and Leadership

Additional Information

• Location: Shivaji Nagar, Pune
• Educational Qualification: Bachelor's degree in Commerce or Finance; MBA Preferred
• Experience: 10–15 years
• Salary Range: INR 1,000,000 to INR 1,800,000 per annum

Why Join?

• Lead and expand a high-potential lending portfolio.
• Engage in a strategic leadership role impacting business growth.
• Work in a performance-oriented culture with opportunities for career advancement.
• Be part of a growing and ambitious financial services organization.

Eligibility

Open to all graduates interested in advancing their career in financial services and lending.