Sales Manager - Micro & Enterprise Lending

About the Role

This position is for a Sales Manager in the Micro & Enterprise Lending vertical. The role focuses on originating business, winning new customers, and managing the lending portfolio for MSME loans, loan against property (LAP), and working capital support for micro-enterprises and SMEs. Success in this role means meeting disbursement goals while protecting portfolio quality and keeping overdue accounts under control.

What You Will Do

• Plan and implement sales approaches that help achieve and exceed monthly, quarterly, and yearly disbursement and revenue goals for MEL offerings.
• Identify, approach, and onboard new corporate and MSME customers through direct selling, territory mapping, and existing professional relationships.
• Review basic financial statements such as balance sheets, profit and loss accounts, and cash flow statements to judge repayment capacity and business strength.
• Carry out field checks and personal discussions with business promoters to evaluate creditworthiness and intent.
• Hire, guide, and develop Sales Officers and Relationship Managers so the team remains productive and generates strong leads.
• Track portfolio performance, spot emerging risk early, and support timely collections to keep delinquency low.
• Maintain durable client relationships that support customer satisfaction, repeat business, and referrals.

What We Are Looking For

• A bachelor’s degree in Finance, Business Administration, Economics, or a similar discipline; an MBA is preferred.
• 4 to 6 years of direct sales experience in NBFCs or banking, preferably in MSME, MEL, or LAP lending.
• Good understanding of credit appraisal, working capital limits, term loans, and both secured and unsecured loan products.
• Strong communication, negotiation, and analytical abilities.
• Ability to work effectively in local languages will be a strong advantage.

Company Overview

IDFC FIRST Bharat Limited is a wholly owned subsidiary of IDFC FIRST Bank and operates as a Business Correspondent for the bank. The organization has a long history of serving rural and semi-urban communities, with a focus on making financial services more accessible to customers who are otherwise underserved. Its lending portfolio includes products such as group loans, micro enterprise loans, micro housing loans, two-wheeler loans, commercial vehicle loans, gold loans, used car loans, consumer durable loans, housing loans, loans against property, and tractor loans. The company works across 11 states, serves more than 2.5 million households, and has a workforce of over 15,000 employees.

Eligibility

Any graduate can apply.

Additional Information

The role is based in Pune, India. The salary range provided is INR 3,00,000 to 6,00,000 per year.