Territory Sales Manager - Direct Sales Channel (Warangal)

Position Overview

The Territory Sales Manager (TSM) based in Warangal will spearhead business expansion through direct sales channels, overseeing a team of Relationship Officers and Managers. This role is essential for accomplishing assigned sales targets, enlarging the customer base, and maintaining quality loan portfolios across Warangal and neighboring areas.

Core Responsibilities

• Attain monthly, quarterly, and yearly targets for various loan products such as Home Loans, LAP, Affordable Housing Loans, Business Loans, and other NBFC offerings.
• Lead direct sales efforts to acquire new customers and uncover emerging market opportunities within the designated territory.
• Oversee, motivate, and guide the Relationship Officers and Managers, ensuring individual productivity goals are set and tracked.
• Conduct regular sales performance reviews, field assessments, coaching, recruitment, and training to uplift team performance and adherence to policies.
• Establish and nurture solid relationships with customers and key local influencers through lead generation activities and network engagement.
• Maintain portfolio quality by compliant and credit guideline aligned sourcing; collaborate with Credit, Operations, Technical, Legal, and Collections teams for seamless processing.
• Monitor portfolio health by supporting collection initiatives, minimizing delinquency, and ensuring sound asset quality.
• Perform market research, analyze competitors, and develop strategic plans to grow market share.
• Build strong ties with local builders, real estate agents, connectors, and business communities to enhance market penetration.
• Prepare detailed periodic sales and business reports while ensuring regulatory and internal compliance with meticulous sales record-keeping.

Candidate Profile

• Graduation in any discipline is mandatory; MBA/PGDM degrees are preferred.
• Experience ranging from 5 to 10 years in sectors like NBFC, Banking, Housing Finance, or Financial Services is required, including at least 2-3 years managing direct sales teams.
• Prior exposure to lending products including Home Loans, LAP, Affordable Housing Loans, and Business Loans is advantageous.

Essential Skills & Competencies

• Proven abilities in sales and business development along with effective team leadership and management.
• Expertise in territory oversight, customer relationship building, and execution of sales targets.
• Strong negotiation and communication capabilities coupled with knowledge of credit processes and lending products.
• Outcome-focused, self-motivated with excellent problem-solving and stakeholder engagement skills.
• Deep understanding of local market dynamics in Warangal and surrounding districts.

Performance Metrics

• Success measured through loan business sourcing and disbursement targets.
• Enhanced team productivity of Relationship Officers and Managers.
• Numbers of newly acquired customers and portfolio delinquency control.
• Expansion of market share within the allotted territory.
• Effective employee engagement and retention within the sales team.

Location Coverage

Operations encompass Warangal, Hanamkonda, Kazipet, Jangaon, Mahabubabad, Mulugu, Bhupalpally, and adjoining markets.