Vice President - Sales - NBFC

Vice President _Sales

Location: Minto Park, Kolkata

Reporting To: Managing Director / CFO

Position Overview:

We are seeking an accomplished and dynamic Vice President - Sales with extensive experience in promoter financing, credit solutions, and strong product knowledge of LAP (Loan Against Property), LAS (Loan Against Shares), and LAG (Loan Against Gold). The ideal candidate will lead our lending product strategy and business development function, offering innovative financing structures and ensuring robust client acquisition and portfolio quality.

Key Responsibilities:

1. Sales & Business Growth

- Identify, acquire, and manage relationships with promoters, HNIs, SMEs, and corporate clients.

- Drive revenue growth through structured deals involving LAP, LAS, LAG, and promoter funding, Equipment Financing.

- Expand business through DSA/Channel partners, wealth managers, and investment advisors.

2. Credit Strategy & Product Structuring

- Evaluate client profiles, balance sheets, and market positions to structure appropriate credit solutions.

- Originate and structure tailor-made loans against property, securities, or gold holdings.

- Collaborate with credit, legal, and risk teams to ensure deal viability and risk mitigation.

3. Promoter Financing & Advisory

- Design promoter funding solutions backed by listed/unlisted shares and strategic holdings.

- Advise promoters on unlocking capital, leveraging holdings, and financial planning.

- Build strong relationships with promoter groups, family offices, and financial intermediaries.

4. Credit Analysis & Risk Management

- Conduct detailed credit assessments, financial statement analysis, and due diligence.

- Prepare and present credit proposals to internal committees.

- Monitor loan performance and ensure timely collection and portfolio hygiene.

5. Team Leadership & Strategic Initiatives

- Lead and mentor a team of relationship managers or sales executives.

- Develop sales strategies and quarterly business plans aligned with company goals.

- Ensure compliance with regulatory and internal policies.

Required Skills & Competencies:

- Deep domain knowledge in NBFC lending products - LAP, LAS, LAG, promoter funding.

- Excellent credit analysis and financial structuring capabilities.

- Strong negotiation and client relationship management skills.

- High-level understanding of risk frameworks, collateral structures, and legal documentation.

- Ability to drive high-ticket lending and close complex deals.

Qualifications:

- MBA (Finance/Marketing) / CA / CFA or equivalent.

- 10+ years of experience in NBFCs/Banks with focus on sales and credit in LAP, LAS, LAG.

- Proven track record of leading teams and achieving sales targets in the lending space.