AU Small Finance Bank—Portfolio Business Manager LAP

Job description

Description: Portfolio Business Manager – Micro Business Loan/LAP Job Summary We are looking for an experienced and result-oriented Portfolio Business Manager to lead business development, portfolio management, and team performance within the assigned cluster. The role is responsible for driving MSME/LAP business growth, managing customer relationships, ensuring portfolio quality, and coordinating with cross-functional teams for seamless loan processing and servicing. Qualification - Minimum Graduate. Experience - 5–7 years of relevant experience in Banking/NBFC/BFSI. - Minimum 4 years of experience in a leadership role. - Preferred experience in Business Loans, Loan Against Property (LAP),& Housing Loans. Key Skills - Strong sales, business development, and portfolio management capabilities. - Sound understanding of MSME lending, mortgage products, and credit assessment. - Knowledge of property documentation, legal and technical processes, EMI calculations, and financial analysis. - Excellent leadership, team management, negotiation, communication, and relationship-building skills. - Familiarity with the local market and business environment. - Proficiency in Hindi and English. - Computer proficiency and willingness to travel extensively. Key Responsibilities Business Development - Drive business growth by achieving assigned sales and portfolio targets. - Identify new business opportunities and expand market presence through field marketing and customer acquisition initiatives. - Build and strengthen relationships with new and existing customers. Team Leadership - Lead, mentor, and motivate the sales team to achieve business objectives. - Conduct regular training sessions on sales processes, products, and incentive programs. - Support team members through joint customer visits and field guidance. Portfolio Management - Monitor portfolio quality and coordinate with Collections to ensure healthy portfolio performance. - Handle customer servicing, query resolution, and delinquent account management. - Ensure timely follow-up on leads and business opportunities. Credit & Operations - Conduct customer, business, and property verification as per company policies. - Review income, banking, legal, and property documents for loan processing. - Prepare credit recommendations and coordinate with Credit, Legal, Technical, Operations, and other internal stakeholders for timely case approvals and disbursements. - Ensure proper documentation and secure handling of customer files. Reporting & Compliance - Prepare and submit MIS, sourcing reports, portfolio reviews, and other business reports within timelines. - Ensure compliance with company policies, regulatory requirements, and risk management guidelines. - Maintain confidentiality of customer and company information. - Safeguard company assets and uphold the highest standards of integrity and ethical conduct. Key Competencies - Customer Focus - Business Acumen - Leadership & Team Development - Results Orientation - Problem Solving - Decision Making - Relationship Management - Integrity & Accountability - Collaboration & Coordination Key Stakeholders Internal: Credit, Legal, Technical, Operations, Collections, MIS, and Business Teams. External: Customers, Business Partners, and Market Intermediaries.