department: sales- secured loans
role:
cam/
as a customer acquisition manager (cam/senior cam), you will be responsible for acquiring new
clients for loan against property (lap), driving sales and generating business for the organization.
this is a field-based, target-driven sales role requiring strong market networking and product
knowledge. the acquisition would be through direct channels like events, exhibitions, road shows,
database & micro marketing activities.
responsibilities:
• sourcing & lead generation
identify and acquire new msme customers through direct acquisition using field visits, telecalling
references, micro-marketing activity and market research.
build a strong local market presence to generate a steady pipeline of secured lap business leads
and disbursement.
build a profitable customer pool of 25 msme customers as a key account manager (kam) and
manage the entire customer life cycle for any service queries, renewals, top ups, soa etc.
• file login & application processing
collect accurate customer documentation and ensure timely login of loan applications.
guide customers through eligibility and documentation, ensuring compliance with internal
policies.
• cross-functional collaboration
coordinate with credit, risk, operations, and legal, technical teams for smooth file processing and
issue resolution.
act as the single point of contact for internal follow-ups and ensure end-to-end loan application
execution.
• disbursement & post-sales follow-up
track loan application status and facilitate timely disbursement by resolving process delays.
explain disbursement terms and support clients with post-loan queries and servicing needs.
• relationship building & client retention
build strong client relationships to drive repeat business, referrals, and long-term loyalty.
maintain regular client engagement to understand evolving needs and offer tailored financial
solutions
• proactive on-ground outreach
conduct regular face-to-face visits to rural & semi-urban markets—identify new loan leads
(home/sme/microfinance), explain our products clearly, and assist customers through application
and documentation processes, ensuring compliance with rbi & internal kyc standards
lead in-person recovery efforts by visiting delinquent borrowers' residences or businesses to
collect overdue payments, assess individual financial situations, and develop tailored repayment
arrangements compliant with rbi guidelines.
• early bucket-pdm and collection management
drive portfolio quality through pre delinquency and collection management drivers like
presentation date, emi amount, sms/ telecalling/ notification and help to collect overdue amount
along with penal charges/ late payment interest through direct customer engagement, regular
field collection efforts and visits.
qualification&experience:
educational background
graduate/ postgraduate in commerce, science, or any related field (mandatory).
experience requirements
1 to 5 years of experience in a bank, nbfc, or insurance company, preferably in a direct acquisition
model
prior experience in selling hl, lap is preferable.
key skills &competencies:
• strong local market knowledge and merchant network.
• good understanding of loan products, customer needs, and financial documentation.
• target-oriented, self-motivated, and team player with strong execution ability.
• excellent communication and interpersonal skills.
• demonstrated ability to perform effectively under pressure while consistently achieving
monthly targets.
• ability and competency to work in the field/marketplace in the neighborhood lending
model.
performance metrics:
• achievement of monthly and quarterly disbursement targets.
• number of new business merchant acquisitions.
• productivity through direct and channel sourcing.
• conversion rate from leads to disbursed accounts.
• early bucket collection efficiency, bounce rate, entry rate and resolution;