Business Manager – MSME/SME Loans

Overview

This position focuses on independently generating sales and acquiring business loans for MSMEs and small enterprises. The Business Manager is responsible for client sourcing, managing relationships, coordinating loan processes, and meeting sales and disbursement targets on a monthly and quarterly basis.

Primary Duties

• Identify and approach potential clients for both secured and unsecured business loans through direct outreach, referrals, and on-site visits.
• Consistently meet or exceed monthly and quarterly targets related to loan disbursement and revenue generation.
• Engage with prospective customers to comprehend their business needs and propose appropriate loan products.
• Establish and nurture strong, ongoing relationships with MSME clients to encourage repeat business and referrals.
• Provide support to clients post loan disbursement, addressing any questions or issues.
• Work collaboratively with credit and operations teams to facilitate timely loan processing and ensure all documentation complies with internal and regulatory standards.
• Stay informed about credit assessments, KYC compliance, and loan documentation requirements.
• Gather and analyze market data including competitors’ services, market trends, and customer demands to assist in refining sales tactics and product offerings.

Candidate Profile

• 3 to 6 years experience in SME or MSME lending or BFSI sales roles.
• Graduate or postgraduate qualification, preferably in business or related disciplines.
• Comprehensive knowledge of MSME lending products, customer segments, and NBFC regulatory norms.
• Basic understanding of credit underwriting principles.
• Familiarity with loan documentation procedures and KYC standards.
• Strong communication and negotiation capabilities along with excellent interpersonal skills.
• Self-motivated with the ability to manage tasks independently and efficient time management.
• Customer-focused, goal-driven, with high integrity and compliance orientation.
• Adaptable mindset receptive to change and organizational needs.

Key Interactions

The role requires coordination with multiple internal stakeholders including Accounts, Credit, Compliance & Risk, Operations, Product, and HR teams, alongside engagement with external clients and direct selling agents (DSAs).

Role Details

• Department: SME – Business Enterprise
• Industry: BFSI / SME Lending
• Function: Business Development and Sales
• Work Style: Field-based client acquisition and relationship management