AU Small Finance Bank—Business Manager LAP

Job description

Description: Business Manager – MBL/LAP Sales Location: Jaipur Department: Micro Business loan/LAP Sales Function: Business Development & Relationship Management Experience: 3–4+ years of relevant experience, including at least 1 year in a leadership role Education: Minimum Graduate About the Role At AU Small Finance Bank, we are committed to empowering Micro, Small and Medium Enterprises (MSMEs) through innovative financial solutions and relationship-driven banking. We are looking for dynamic and customer-focused professionals to join our MSME Sales team and drive business growth while delivering exceptional customer experiences. As a Business Manager (BM), you will be responsible for business development, portfolio management, customer acquisition, and leading market expansion initiatives within your assigned territory. Key Responsibilities Business Development & Sales - Achieve assigned business and revenue targets. - Drive customer acquisition through self-sourcing, market activities, and referrals. - Organize and participate in marketing initiatives such as canopy activities, leafleting, customer meets, and local campaigns. - Identify new business opportunities and develop strong sourcing channels. - Build and maintain long-term relationships with customers and enhance AU Bank’s brand presence in the market. Customer Relationship Management - Understand customer financial requirements and recommend suitable banking solutions. - Resolve customer queries efficiently and ensure a seamless customer experience. - Communicate product features, pricing, fees, and terms transparently. Portfolio & Credit Management - Conduct field investigations and physical verification of customers’ residences, businesses, and assets. - Verify financial documents, property papers, and customer references. - Coordinate with Credit, Legal, Technical, Operations, and Collections teams for timely case processing. - Prepare case appraisals, recommendations, and documentation for approvals and disbursements. - Monitor portfolio health and support collections and delinquency management activities. Team Leadership & Collaboration - Guide and motivate team members to achieve business objectives. - Conduct product training and knowledge-sharing sessions. - Foster collaboration across internal departments and support new initiatives. Compliance & Risk Management - Ensure adherence to all regulatory and internal policies. - Maintain confidentiality of customer and company information. - Ensure accurate documentation and ethical business practices. - Safeguard company assets and uphold the highest standards of integrity. What We’re Looking For - Strong sales, negotiation, and relationship management skills. - Knowledge of MSME lending products and local market dynamics including mortgage loan, property loan, business loan and loan against property. - Understanding of financial statements, EMI calculations, interest concepts, and property-related documentation. - Familiarity with KYC requirements, banking regulations, and credit processes. - Excellent communication skills in regional language, Hindi, and English. - Strong leadership, coordination, and problem-solving abilities. - Proficiency in computer applications and smartphone usage. - High customer orientation, ownership mindset, and willingness to work in the field. Competencies - Customer Focus - Result Orientation - Ownership & Accountability - Integrity & Ethical Conduct - Team Leadership - Learning Agility - Action Orientation - Relationship Building Why Join AU Small Finance Bank? - Opportunity to make a meaningful impact in India’s MSME ecosystem. - Performance-driven growth and rewarding career opportunities. - Dynamic work environment with continuous learning and development. - Inclusive culture that values innovation, collaboration, and customer-centricity. Join us in empowering entrepreneurs and building a financially inclusive future with AU Small Finance Bank.