Regional Sales Manager-Small Business LAP

About ECL Finance Limited

Edelweiss is one of India’s leading financial services conglomerates, serving a diversified client base across domestic and global markets. ECL Finance Limited (ECLF) is the MSME lending arm of Edelweiss Financial Services.

We play a critical role in India’s expanding credit ecosystem by enabling Micro, Small and Medium Enterprises (MSMEs) with timely, flexible and innovative financial solutions. MSMEs form the backbone of India’s economy, and our purpose is to empower them to grow, sustain and scale their businesses.

Our mission is to be a trusted financial partner to entrepreneurs in the Priority Sector, helping unlock their potential and contribute meaningfully to India’s economic progress and the vision of Atmanirbhar Bharat.

About the Role

The Regional Sales Manager is responsible for driving SME secured lending (LAP) business across assigned locations by leading a direct sales team, sourcing through connectors and self-channels, and ensuring achievement of business, profitability, and service metrics. The role focuses on market expansion, customer acquisition, and end-to-end sales execution while maintaining strong internal and external stakeholder relationships.

Reporting To: Zonal Sales Manager/DST Head

Location: [City/Region]

Qualifications & Experience

• Graduate in any discipline; MBA preferred.
• 13+ years of experience in Banking, Financial Services, or Insurance with strong exposure to SME secured lending.
• Proven experience in handling regional sales teams and achieving business targets.

Key Responsibilities

• Sales & Business Development
• Manage and lead a direct sales team for sourcing LAP business through connector channels.
• Drive achievement of login, sanction, and disbursement targets at individual and regional levels.
• Acquire new SME customers through direct sourcing and self-generated leads.
• Ensure profitability and business growth across assigned locations.
• Market Expansion & Marketing Activities
• Execute marketing initiatives in SME clusters such as canopy activities, loan fairs, exhibitions, and micro-marketing campaigns.
• Develop deep understanding of local SME markets and customer profiles.
• Relationship & Portfolio Management
• Maintain and strengthen relationships with existing customers.
• Identify new business opportunities within the existing portfolio.
• Ensure high levels of customer satisfaction and retention.
• Process & Stakeholder Coordination
• Track files end-to-end from login to disbursement and ensure timely collection of PDDs.
• Liaison with internal teams including Credit, Operations, Collections, and Technical for case clearance and quick turnaround.
• Ensure adherence to policies, processes, and compliance requirements.
• P&L Ownership:

Overall ownership of branch/region P&L, ensuring profitability through balanced growth, optimal yield, cost efficiency, and portfolio quality.

• People Management & Talent Stability:

Ownership of hiring, team productivity, performance monitoring, and ensuring controlled attrition through engagement, development, and training.

• Customer Satisfaction & NPS:

Ensure high levels of customer satisfaction through superior service quality and timely resolution of issues, with accountability for achieving targeted Net Promoter Score (NPS) for the branch/region.

• Portfolio Quality & Risk Management:

End-to-end responsibility for portfolio health, including monitoring delinquencies, controlling NPAs, ensuring strong credit quality, and preventing fraud.

• Governance, Audit & Compliance:

Ensure strict adherence to company policies and regulatory guidelines; own audit readiness and timely closure of internal/external audit observations.

• Market Growth & Business Sustainability:

Drive sustainable business growth through market expansion, channel development, strengthening local ecosystem relationships, and improving market share.

Skills & Competencies

• Strong understanding of MSME products, especially LAP
• Business acquisition and sales leadership capability
• Market knowledge of the assigned geography
• Ability to drive profitability and growthExcellent communication and interpersonal skills
• Strong leadership and people management ability
• Result-oriented and entrepreneurial mindset