Business Manager LAP

Location: Sardarshahar 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

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.

• 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.

• 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.

• 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.

• 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.

• 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.

• 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.

• Customer Focus
• Result Orientation
• Ownership & Accountability
• Integrity & Ethical Conduct
• Team Leadership
• Learning Agility
• Action Orientation
• Relationship Building

• 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.