City Head - Business Loans

Job Title: City Head - Business Loans SalesAbout the Role
We are seeking an experienced and results-driven City Head to lead Business Loans Sales for a designated city. The role will be responsible for driving business growth, building and managing high-performing sales teams, expanding market presence, developing acquisition channels, and achieving revenue and disbursement targets.
The ideal candidate will have strong experience in Business Loans, SME/MSME lending, LAP, working capital, or other secured/unsecured lending products, with a proven track record of managing city-level sales operations. The candidate should possess strong market knowledge, team leadership capabilities, relationship management skills, and a deep understanding of the end-to-end lending lifecycle.
What You'll DoBusiness Growth & Sales Strategy
Own and drive the overall Business Loans sales strategy and business performance for the assigned city.
Develop and execute city-level plans to achieve monthly, quarterly, and annual sourcing and disbursement targets.
Identify new business opportunities, customer segments, markets, and acquisition channels to drive growth.
Build a strong sales pipeline and ensure consistent lead generation, conversion, and disbursement.
Monitor market trends, competitor activity, customer needs, and pricing dynamics to identify growth opportunities.
Drive expansion into new locations, markets, and customer segments within the city.
Sales & Business Development
Drive acquisition of new Business Loans customers through direct sales, channel partners, DSAs, connectors, referrals, and other relevant channels.
Build and maintain strong relationships with business owners, SMEs, entrepreneurs, channel partners, and other key stakeholders.
Ensure achievement of sourcing, login, approval, sanction, and disbursement targets.
Improve lead-to-login, login-to-sanction, and sanction-to-disbursement conversion rates.
Drive cross-sell and upsell opportunities across the existing customer base wherever applicable.
Ensure effective follow-up and pipeline management by the sales team.
Team Leadership & People Management
Lead, manage, and mentor the city-level Business Loans sales team.
Set clear targets, KPIs, productivity benchmarks, and performance expectations for the team.
Monitor individual and team performance and take corrective actions where required.
Build a high-performance sales culture focused on ownership, customer acquisition, quality, and business outcomes.
Recruit, train, coach, and develop sales managers and sales executives.
Conduct regular performance reviews, market visits, and sales reviews.
Identify capability gaps and implement appropriate training and development initiatives.
Channel Development & Partnerships
Develop and manage relationships with DSAs, connectors, channel partners, brokers, and other acquisition partners.
Identify high-potential partners and build a scalable sourcing network.
Drive partner productivity, activation, and retention.
Monitor partner-level sourcing, conversion, quality, and disbursement performance.
Ensure adherence to company policies and partner management guidelines.
Customer & Market Management
Develop strong relationships with existing and prospective business loan customers.
Understand customer business models, financial requirements, and borrowing needs.
Ensure a smooth customer journey from lead generation through application, approval, and disbursement.
Address customer escalations and work with internal teams to resolve issues promptly.
Develop strong knowledge of the local business ecosystem and identify high-potential customer clusters.
Credit & Operations Coordination
Work closely with Credit, Operations, Risk, Product, Technology, and Collections teams to ensure smooth loan processing.
Ensure sales teams submit complete and accurate customer documentation.
Improve application quality and reduce avoidable rejections and processing delays.
Track applications through the loan lifecycle and ensure timely resolution of bottlenecks.
Maintain a strong balance between business growth, customer quality, and portfolio performance.
Sales MIS & Performance Management
Track and analyze city-level sales performance, including leads, login, approval, sanction, disbursement, conversion, productivity, and TAT.
Prepare and review daily, weekly, and monthly sales MIS.
Identify performance gaps and implement action plans to improve business outcomes.
Use data and market insights to optimize sales productivity and resource allocation.
Present city performance, business outlook, challenges, and action plans to senior leadership.
Risk, Compliance & Quality
Ensure all sales activities are conducted in accordance with company policies, credit guidelines, regulatory requirements, and ethical standards.
Maintain high-quality sourcing and minimize fraud, misrepresentation, and policy deviations.
Ensure appropriate customer verification and documentation standards are followed.
Monitor portfolio quality indicators and work with Risk and Collections teams on emerging concerns.
Ensure zero tolerance for unethical sales practices and mis-selling.
What We're Looking ForEducational Background
Bachelor's degree in Business Administration, Finance, Commerce, Economics, Engineering, or a related field.
MBA/PGDM in Sales, Marketing, Finance, or Business Management i

Experience
9 - 11 Years

Employment type
Full Time

Work arrangement
No