Regional Sales Manager - Unsecured Self-Employed Loans

Overview

We are seeking a Regional Sales Manager (RSM) based in Vijayawada, Andhra Pradesh to lead and expand our Unsecured Self-Employed Loan business. This position involves overseeing a Direct Selling Agent (DSA) network to drive business growth across the region with a focus on fostering strong relationships, team management, and market expansion.

Key Responsibilities

• Expand and manage the unsecured self-employed loan portfolio throughout Vijayawada and Andhra Pradesh by leveraging DSA channels.
• Maintain and strengthen current DSA partnerships while onboarding new, high-performing DSAs to widen market coverage.
• Lead a diverse team comprising Area Sales Managers, Sales Managers, and field sales personnel to meet regional objectives.
• Formulate and implement strategies to penetrate the market and increase sourcing from traders, professionals, MSMEs, and business owners.
• Track and assess DSA productivity, volumes, loan application to disbursement ratios, and ensure portfolio quality.
• Ensure adherence to credit standards, compliance, KYC, and regulatory requirements to maintain quality sourcing.
• Organize regular DSA training, engagement, and performance appraisal sessions to boost productivity and retention.
• Collaborate effectively with teams across Credit, Operations, Legal, and Risk to facilitate smooth processing and reduce turnaround times.
• Analyze market trends, competitor activities, and customer demands to pinpoint new avenues for business development.
• Drive key performance indicators including loan disbursement targets, revenue growth, market share expansion, and portfolio profitability.
• Monitor and control delinquency rates by ensuring the acquisition of creditworthy customers and maintaining the health of the portfolio.
• Provide senior management with regular reports on business performance, sales forecasts, and DSA activities.

Candidate Profile

• Graduate or postgraduate degree in any discipline.
• Between 8 and 15 years of experience specializing in Unsecured Loans, Business Loans, LAP, Personal Loans, MSME Loans, or lending to self-employed clients.
• Demonstrated expertise in managing DSA-driven sales frameworks.
• Proven history of leading multi-location sales teams and consistently achieving demanding business goals.
• In-depth market knowledge of Andhra Pradesh, especially Vijayawada and its neighboring areas.
• Exceptional skills in relationship management, negotiation, and leadership.

Skills and Expertise

• DSA Channel Development and Management
• Unsecured Self-Employed Loan Sales
• Business Loan and MSME Lending
• Team Leadership and Staff Management
• Strategic Business Development and Market Expansion
• Credit Analysis and Risk Management
• Portfolio Monitoring and Profitability Analysis
• Stakeholder Coordination and Communication
• Sales Strategy Planning and Execution

Reporting & Team Structure

This role reports to the Zonal Sales Head and manages a team of Area Sales Managers, Sales Managers, and the DSA network across the assigned region.