Regional Sales Manager - Personal Loans (Unsecured Salaried)

Job Overview

We are seeking a Regional Sales Manager specializing in Personal Loans to lead business growth in the Hyderabad region. This role involves managing a team of Area Sales Managers and nurturing a strong network of Direct Selling Agents (DSAs), aimed at expanding market presence, meeting business targets, and ensuring high portfolio quality.

Key Responsibilities

• Drive growth for the Personal Loan segment by achieving monthly, quarterly, and annual sales goals.
• Lead, coach, and manage Area Sales Managers to enhance productivity and business results.
• Expand and reinforce the DSA network by onboarding reputable agents, maintaining solid partnerships, and driving business volume.
• Track and monitor performance of DSAs and ASMs ensuring objectives are met and growth is sustainable.
• Develop and implement regional sales strategies to increase market penetration and customer base.
• Conduct periodic field visits alongside ASMs and DSAs to uncover new opportunities and increase sales conversions.
• Ensure all credit, compliance, KYC, and regulatory procedures are followed meticulously during business sourcing.
• Collaborate with Credit, Operations, Risk, and Collection teams for smooth processing and portfolio oversight.
• Analyze market dynamics, competitor actions, and customer needs to frame effective sales campaigns.
• Recruit, train, and develop sales personnel to elevate overall team performance.
• Review sales reports, funnel data, disbursement trends, and conversion rates to maintain steady growth.
• Maintain portfolio integrity by targeting appropriate customer segments and monitoring delinquency rates.
• Build and sustain robust relationships with DSAs, partners, and stakeholders to maximize business opportunities.
• Identify and evaluate potential new geographic markets for expansion.
• Conduct regular business assessments and implement action plans to address performance gaps.

Performance Metrics

• Achievement of Personal Loan disbursement targets
• Activation and productivity of the DSA channel
• ASM productivity rates
• Customer acquisition levels
• Market share increase
• Portfolio quality and delinquency control
• Conversion ratio improvements
• Revenue and profitability
• Regional expansion successes
• Team engagement and retention

Candidate Profile

• Graduate qualification required; MBA preferred.
• 8 to 12 years experience in Personal Loans, unsecured lending, or retail asset financing.
• 3 to 5 years experience managing multi-location sales teams.
• Strong background in DSA channel management and business development.
• Proven capability to meet sales targets and drive regional market development.
• Exceptional leadership, people management, and stakeholder coordination skills.
• Excellent analytical, negotiating, and communication skills.

Core Competencies

• Sales leadership and management
• DSA channel development and optimization
• Business growth and development strategy
• Team leadership and motivation
• Strategic market planning
• Market trend and competitor analysis
• Stakeholder relationship management
• Performance tracking and management
• Credit and risk compliance awareness
• Results-driven approach