Senior Business Development Officer-WC-SALARIED PL AND WORKING CAPITAL-Sales

Hcbt Open · verified Sep 30, 2026

Ludhiana Full-time Senior Business Development

At a glance

Senior Business Development role at Hcbt. Ludhiana · full-time.

Pay not stated

RoleBusiness Development

SenioritySenior

LocationLudhiana

EmploymentFull-time

PostedSep 24, 2026 · 7d ago

Role brief

growthroles summary, based on the employer's posting.

What you'll do

Manage a monthly unsecured business-loan book while serving self-employed customers in the local market
Assess client businesses and match them with business loans or overdraft facilities
Work with DSA, telecalling, and branch-banking teams to add new customers
Cross-sell current accounts, savings accounts, life insurance, and general insurance
Build promoter and CFO relationships, monitor sourced accounts, and pursue loan top-ups

What you bring

A graduate or MBA qualification is required
Three to four years working in the local market, preferably across credit and sales
Local-market experience in the relevant geography and strong knowledge of self-employed customers
The ability to sell customers on loan amounts, rates, and fees
Clear spoken and written communication skills

Who this fits

You’ll suit an independent senior sales role focused on self-employed customers, unsecured loans, and related financial products. The job is based in Ludhiana and requires experience in that local geography. You’ll handle products including term loans and overdrafts while developing business through partner and branch channels.

From the employer

Job Role:

This is an Independent role and candidate will manage a business of 40-75L PM (Unsecured Business Loans)

Needs to have a good knowledge of Local market with a special focus on the Self-employed category. Must have experience in that Geography

To understand clients business & provide appropriate products like Business loans, OD facilty

Has to work closely with DSA’s/do Tele calling/Branch Banking teams for new customer addition.

To cross sell various products like Current Account/Savings account/Life Insurance and General Insurance

To build relationships with key persons (CFOs/ promoters) in the target segments & build client trust & confidence.

To be alert on competitive elements in the target segments (viz. other banks etc.) & Augment the presence and penetration of the Kotak brand in the target market

Improve efficiency by monitoring accounts sourced, do top ups on existing loans when possible

Job Requirements:

Graduate / MBA

Experience: 3-4 years in the local market, preferably some background in Credit & Sales Knowledge is required - ability to get the customer to buy into the asset proposition- loan amount, rate & fees. Should have good oral and written Communication skills.

Job Knowledge- The candidate would need to handle Sales for a gamut of products like TL, OD,