Area Sales Manager - Unsecured Salaried Loans - Nagpur

About the Role

This position is designed to drive growth and portfolio development within the unsecured loan segment for a designated territory. The primary focus is on growing business volumes while ensuring a balanced and healthy portfolio, achieving targets through strategized engagement with direct sales agents and expanding market presence. The role involves close coordination with zonal leadership to oversee end-to-end unsecured lending processes, emphasizing superior product delivery and maintaining credit discipline.

Organizational Context

The employer operates as a leading financial services firm, licensed as a non-deposit accepting NBFC with a significant nationwide footprint and a diverse lending portfolio spanning retail, SMEs, and corporates. The company is highly rated by prominent credit rating agencies and recognized for its business excellence.

Key Responsibilities

• Identify and capitalize on sales growth areas at the local level, increasing channel reach and acquiring new clients.
• Segment the market to approach potential customers with tailored loan offerings that ensure profitability.
• Maintain strong relationships with DSAs to boost unsecured lending volumes and manage a robust sales pipeline.
• Collaborate internally to expedite loan sanctioning processes and uphold sales targets.
• Monitor sales metrics regularly and foster a culture of high performance within the sales team.
• Ensure adherence to service level agreements and optimize operational productivity through process improvements.
• Expand and strengthen the distribution network while keeping abreast of competitive changes and market trends.
• Work with risk and operations teams to maintain compliant and customer-friendly loan approval and disbursement workflows.
• Address customer queries promptly and manage early warning mechanisms for portfolio quality.
• Identify and report risks proactively to uphold portfolio health, liaising across all involved stakeholders.
• Collaborate with peers and managers to overcome challenges and support business growth through effective channel management.

Required Qualifications and Experience

Not explicitly specified; candidates with relevant experience in financial sales, particularly in unsecured lending products, and knowledge of loan processing are implied to be a good fit.

Additional Information

The role reports directly to the Regional Sales Manager for Personal Loans and Short-Term Unsecured Loans. Direct reports include Sales Managers responsible for similar territory growth and operations. There is frequent interaction with internal departments such as risk, operations, HR, and IT, as well as frequent engagement with external parties including customers and channel partners.