Job Title

Company DescriptionYuvolt Financial Services is dedicated to empowering individuals and businesses by helping them make informed financial decisions that align with their unique life goals. We simplify complex financial concepts to provide personalized strategies for financial well-being. With a focus on clarity and support, Yuvolt Financial Services aims to build lasting relationships based on trust and understanding. Our mission is to guide individuals toward achieving financial security and peace of mind.Description: Channel Partner - Growth & Expansion (Financial Products)Territory: North, West & South, IndiaProducts: Business Loans (Unsecured), Working Capital (OD/CC), LAP (Secured)Experience: 6–12 Years in MSME/SME LendingObjectiveTo aggressively expand the loan book in the North-West-South corridor by sourcing high-value Working Capital and Secured Loan cases. The CP will act as a financial consultant to business owners, ensuring end-to-end management from lead identification to fund disbursement.Key ResponsibilitiesMarket PenetrationIndustrial Clusters: Target SMEs/MSMEs Channel Mastery: Build a powerful network of /"Connectors/", Chartered Accountants, Financial Consultants, and Industrial Association members.Direct Acquisition: Identify high-growth businesses requiring capital for expansion, machinery purchase, or liquidity.Team Building & Talent MentorshipRecruitment & Structuring: Identify, interview, and onboard a high-performance team of Loan Officers and Sales Executives across the cluster.Performance Coaching: Conduct weekly /"Power Sessions/" to train the team on financial statement analysis, objection handling, and lead conversion.Succession Planning: Build a second line of leadership to ensure territory stability and scalability.New Territory Establishment & Market EntryMarket Mapping: Conduct a /"Gap Analysis/" of the corridor to identify untapped industrial pockets (e.g., expanding into new clusters once the core territory is stabilized).Local Branding: Spearhead local marketing initiatives, such as /"Loan Melas/" or SME Seminars, to establish Yuvolt as the preferred lending partner in new zones.Operational Setup: Oversee the logistics of remote operations in sub-territories, ensuring that reporting lines and communication channels remain seamless.Strategic Revenue Growth & Target AccountabilityForecasting: Develop quarterly and annual sales forecasts for the region, aligning team efforts with the company’s capital disbursement goals.Pipeline Optimization: Move beyond lead generation to /"Pipeline Engineering/", ensuring a steady flow of various ticket sizes to avoid revenue fluctuations.Yield Management: Focus on high-margin products (like Unsecured Business Loans) to balance the portfolio against lower-yield Secured Loans.Institutional & Strategic PartnershipsEcosystem Alliances: Form formal partnerships with Industrial Associations, Chambers of Commerce, and Export Councils to gain exclusive access to member databases.Fintech & Aggregator Integration: Collaborate with local Fintech aggregators and digital platforms to automate lead flow into the territory.Government Liaison: Navigate local regulations and government schemes (like PMEGP or MSME subsidies) to offer value-added consulting to clients.The /"Site Visit/" & Credit AssessmentFactory/Office Audits: Conduct physical site visits to assess the /"Business Intent./" Evaluate stock levels, machinery condition, and office scale.Financial Sifting: Analyze complex financial profiles, Balance Sheets, Profit & Loss accounts, and GST filings (GSTR-3B/GSTR-1).LTV & Collateral: For Secured Loans, evaluate the suitability of the industrial/residential collateral based on respective market rates.Negotiation & SanctioningWorking Capital Solutions: Pitch Cash Credit (CC) or Overdraft (OD) facilities against bank-fixed limits.Closure: Manage the /"Sanction-to-Disbursement/" TAT (Turnaround Time). Resolve credit queries and ensure the client receives the funds seamlessly.Qualifications & SkillsDeep Financial Acumen: Ability to read /"between the lines/" of an Indian Balance Sheet.Local Knowledge: Familiarity with the Maharashtra industrial landscape (MIDC norms, local property registration laws).Language: Proficiency in the regional language, Hindi, and English is mandatory for field success in this territory.