Job Purpose:
To drive the sourcing of MSME Loan Against Property (LAP) proposals by identifying, onboarding, and managing corporate channels / DSAs in Delhi/NCR. The role is responsible for achieving disbursement targets, ensuring portfolio quality, and maintaining strong relationships with partners and customers to support business growth in the MSME LAP segment.
Principal Accountabilties:
1. Business Development & Sourcing
- Identify and onboard corporate and retail DSA channel partners to for MSME LAP sourcing.
- Strengthen existing DSA relationships to increase lead flow and disbursal volumes.
- Drive monthly & quarterly disbursal targets in alignment with the company’s growth objectives.
- Ensure a steady pipeline of quality LAP cases with competitive rates and structures.
2. Relationship & Stakeholder Management
- Develop long-term partnerships with key decision-makers in DSAs.
- Organize regular meetings, training and engagement programs, and incentive structures to maximize DSA performance.
- Act as the primary liaison between DSAs and internal teams (Credit, Operations, Legal and Technical).
3. Credit & Risk Coordination
- Ensure quality sourcing by filtering leads based on creditworthiness, loan eligibility, and compliance norms.
- Work closely with the Credit & Risk team to improve approval rates while maintaining portfolio quality.
- Assist DSAs in understanding and following company’s credit policies to reduce application rejections.
4. Market Intelligence & Competition Analysis
- Keep track of competitor LAP offerings, interest rates, and disbursement structures.
- Provide regular market feedback to the management team for refining product strategies.
- Identify new sourcing opportunities and explore untapped market segments.
5. Training & Product Awareness
- Conduct training sessions for DSAs to improve knowledge of LAP products, policies, and processes.
- Provide marketing support and sales tools to DSAs for better customer engagement.
- Ensure that DSAs are updated on any changes in loan policies, interest rates, and NBFC guidelines.
a) Qualifications
§ Postgraduate / MBA.
§ Graduate with relevant experience can also be considered.
b) Work Experience
§ 3-8 years in LAP sourcing, preferably with an NBFC, bank, or fintech.
§ Strong understanding of LAP products, credit assessment, and compliance norms.
§ Pre-existing relationships with corporate and retail DSAs in Delhi/NCR.
§ Excellent negotiation, sales, and relationship management skills.
§ Ability to use CRM tools, DSA partner portals, and digital lending platforms.
Proven track record in meeting and exceeding LAP disbursal targets.
Other soft skills/competencies
§ Information Security expectation: (Please select one of them) User
User level / Supervisory level/ Managerial level/ Governance level