Relationship Manager / Sr. Relationship Manager — SME Lending (Term Loan & Working Capital)

FINAGG Technologies Private Limited · Noida, India

Company: FinAGG Technologies (FameScore Pvt Ltd | FinAGG Services Pvt Ltd | QCF Capital) Function: SME Sales Experience: 1–4 years Location: (Noida HQ / Mumbai/ Cheenai ) Reporting to: (SME Sales Head ) Employment type: Full-time, on-roll

FinAGG is a full-stack MSME lending platform operating as an LSP, TSP and NBFC. We finance India's supply chain — distributors, dealers, retailers and SME suppliers — through GST-anchored working capital, channel finance (Quick Cash Flow), term loans and embedded insurance. We have insured 150,000+ shops, and lend in partnership with HDFC Bank, SIDBI, Tata Capital, ABFL, Jana SFB and UGRO Capital. FinAGG is backed by SIDBI, Prime Venture Partners, Tata Capital, BlueOrchard and BLinC Invest.

You will own SME loan disbursement targets for your territory — sourcing, qualifying and closing Term Loan and Working Capital (OD/CC/channel finance) cases for SME borrowers with ticket sizes typically between ₹15 lakh and ₹5 crore.

This is a field sales role with three distinct sourcing engines . You will be expected to run at least two of the three:

1. Cross-sell Mine FinAGG's existing borrower and anchor-programme base — distributors and dealers already transacting on our channel finance and insurance products — and convert them to a Term Loan or enhanced Working Capital limit. Work the existing book, repeat customers, top-ups, limit enhancements and portfolio referrals.

2. Channel Partner (DSA / Connector) Empanel, activate and manage a network of DSAs, CAs, tax consultants, connectors and fintech aggregators. Drive login volume, file quality and partner productivity. Own partner engagement, payout discussions and month-on-month activation ratios.

3. Cold Call / Direct Sourcing Build a self-generated pipeline through market visits, cluster mapping, trade associations, industrial estates, mandi/market catchments, telecalling and digital leads. Cold-start territories where FinAGG has no existing presence.

• Achieve monthly and quarterly targets on logins, sanctions and disbursements
• Source SME cases for Term Loan, Working Capital (OD/CC), and channel finance programmes
• Conduct first-level credit assessment — GST filings, bank statements, ITRs, bureau reports, business vintage — and log only bankable files
• Complete customer onboarding on the FinAGG app/PWA, ensure clean documentation, KYC and post-sanction execution (e-NACH, e-sign, PDCs)
• Coordinate with Credit, Risk and Ops to move files from login to disbursal within TAT; own the resolution of queries and deferrals
• Build and maintain the DSA/connector network in your territory; track activation and productivity
• Maintain daily activity discipline in CRM — meetings, logins, pipeline, follow-ups
• Support early collections and portfolio health in your book; act as the first point of contact for customer escalations
• Provide market feedback on competitor pricing, programme structures and customer requirements
  

Must have

• 1–4 years of frontline sales experience in SME/business lending — Term Loan, Working Capital, Business Loan, LAP, or Supply Chain / Channel Finance
• Prior experience with an NBFC, Bank, or Fintech lender
• Demonstrable track record on disbursement targets — bring your numbers
• Working understanding of SME credit assessment: GST returns, banking, bureau, financials
• Comfort with field sales and cold calling — this is not a desk role
• Graduate in any discipline (MBA/PGDM in Finance or Marketing preferred)
• Two-wheeler/four-wheeler with a valid driving licence; willingness to travel within territory
• Fluency in English, Hindi, and the local language of the assigned market

Good to have

• Experience running a DSA/connector channel independently
• Exposure to digital lending journeys, GST-based underwriting, or Account Aggregator-based flows
• Familiarity with dealer/distributor ecosystems of large anchor corporates (FMCG, building materials, auto, agri)
• Existing relationships with CAs, tax consultants or DSAs in the assigned geography
  

MilestoneTimelineTerritory mapped, catchment and anchor clusters identifiedMonth 1First disbursals closed; 5+ channel partners empanelledMonth 2–3Consistent monthly disbursement run-rate against targetMonth 4Self-sustaining pipeline across at least two sourcing enginesMonth 6

• Competitive fixed CTC plus an uncapped monthly/quarterly incentive plan linked to disbursement and portfolio quality
• A full product suite to sell — not a single-product mandate
• Direct exposure to bank and NBFC partner programmes (HDFC, SIDBI, Tata Capital, ABFL and others)
• Fast growth track: strong performers move into Area/Regional Manager roles
• A culture built on HAT — Honesty, Accountability, Transparency

To apply: send your CV to with subject line "SME Sales — (City)", along with your last 6 months' disbursement numbers.

FinAGG is an equal opportunity employer.