Job Details
Area Manager-SEL
Bihar (Kishanganj/Gaya/Ashiana Nagar )
Job Title: Area Manager – Small Enterprise Loan
Location: Kishnaganj & Gaya
Experience: 5 to 10 years’
Salary: Ranging between 5-8 LPA
Age Limit: 35 – 40 yrs.
Loan Ticket Size: 5 – 50 Lakhs
Reports to: Associate Divisional Manager
Job Summary:
We are seeking a result-oriented Area Manager to lead and manage our Small Enterprise Loan
vertical across a designated territory. The role demands deep knowledge of MSME lending,
strong team management skills, and a strategic approach to business growth and portfolio health.
Key Responsibilities:
1. Business Development & Sourcing:
Drive loan disbursements by acquiring new small enterprise clients (MSMEs).
Build a strong pipeline through Direct sourcing.
Develop strategic partnerships to expand reach and customer base.
2. Team Leadership:
Manage and mentor a team of Relationship Officer.
Monitor daily performance and ensure achievement of individual and area-level targets.
Conduct regular training and field support to improve productivity and quality.
3. Portfolio & Credit Management:
Ensure high-quality credit underwriting and compliance with credit policy.
Regularly monitor the health of the loan portfolio and ensure early warning systems are
in place.
Liaise with credit and risk teams for approvals and exception handling.
4. Collection Oversight:
Ensure timely collections and minimal NPAs.
Coordinate with collection teams for delinquent accounts and resolution strategies.
5. Market Intelligence & Reporting:
Prepare and present weekly and monthly MIS reports on business performance, risk
metrics, and operational efficiency.
Candidate Requirements:
Education: Graduate or Postgraduate in Business, Finance, or related field.
Experience: 5–10 years in MSME/small business lending with at least 2–3 years in a
leadership role.
Strong knowledge of unsecured and secured small business loan products specifically
into mortgage loan.
Excellent team management, communication, and interpersonal skills.