Job Requirements

About the Role

The Area Sales Manager – Personal Loan (DSA) is responsible for driving the acquisition and growth of the Personal Loan business across designated geographies through Direct Selling Agents (DSAs). This role focuses on expanding the asset base, ensuring profitability, and maintaining portfolio quality. The incumbent will collaborate with cross-functional teams including Product, Collections, and Digital Alliances to deliver best-in-class lending solutions and a seamless customer experience. The role also involves mentoring teams, driving digital enablement, and fostering a customer-centric culture.

Key Responsibilities

Primary Responsibilities

Acquire Personal Loan customers from the identified segment and generate referrals within the assigned catchment area.
Grow the Asset Under Management (AUM) for Personal Loans and ensure achievement of revenue, cost, profitability, and portfolio quality targets.
Collaborate with the Product Head – Personal Loans to deliver tailored funding solutions and ensure DSTs are appropriately incentivized.
Design and implement channel mix strategies and build strong relationships with digital marketplace partners and key alliances.
Create a seamless and fulfilling customer journey to enhance satisfaction and loyalty, positioning IDFC FIRST Bank as the preferred banking partner.
Oversee distribution channel performance through RM training, enablement, integration of alliance channels, improved turnaround time (TAT), and targeted interventions in low-productivity locations.
Ensure adherence to internal compliance standards and regulatory frameworks.
Partner with the Head of Collections to reduce net credit loss and delinquency rates.

Secondary Responsibilities

Support digital transformation initiatives and contribute to process innovation.
Provide market insights and feedback to improve product offerings and customer engagement strategies.

Managerial & Leadership Responsibilities

Mentor and coach senior team members to install a culture of customer centricity, innovation, compliance, and integrity.
Create an environment that encourages automation and digital enablement to holistically meet customer needs.
Attract and retain top talent to support the bank's rapid growth objectives.

What We Are Looking For

Education

Graduation: Any discipline

Experience

5yrs Minimum experience in BFSI

Skills and Attributes

Strong knowledge of personal loan products, customer segments, and market trends.
Ability to drive business growth and manage profitability.
Experience in managing DSAs, digital partnerships, and distribution channels.
Excellent stakeholder management and cross-functional collaboration skills.
Customer-centric mindset with a focus on delivering superior service.
Strategic thinking and execution capabilities.
Strong leadership, team development, and performance management skills.

Area Sales Manager-Personal Loan (DSA)