Company Description
Yuvolt Financial Services is dedicated to empowering individuals with the tools and knowledge needed to make informed financial decisions. Our mission is to simplify complex financial concepts, enabling clients to achieve their life goals with confidence and clarity. We strive to create innovative solutions that align with customers personal and professional aspirations. At Yuvolt, we are dedicated to promoting financial literacy and fostering peace of mind for a brighter future.
Job Description: Area Sales Manager (ASM) Corporate & Business Assets
Role: ASM cum Business Development Manager (Loans)
Territory: Mumbai & Pune Region (Maharashtra)
Products: Business Loans (Unsecured), Working Capital (OD/CC), LAP (Secured)
Experience: 612 Years in MSME/SME Lending
Reporting to: RSM of Sales / Director
Role Objective
To aggressively expand the loan book in the Mumbai-Pune corridor by sourcing high-value Working Capital and Secured Loan cases. The ASM will act as a financial consultant to business owners, ensuring end-to-end management from lead identification to fund disbursement.
Key Responsibilities
Market Penetration (The Maharashtra Strategy)
- Industrial Clusters: Target SMEs/MSMEs in Pune's industrial belts (Chakan, Bhosari, Talegaon) and Mumbai's trading hubs (Vashi, Andheri, Kalbadevi).
- Channel Mastery: Build a powerful network of ConnectorsChartered Accountants, Financial Consultants, and Industrial Association members.
- Direct Acquisition: Identify high-growth businesses requiring capital for expansion, machinery purchase, or liquidity.
Team Building & Talent Mentorship
- Recruitment & Structuring: Identify, interview, and onboard a high-performance team of Loan Officers and Sales Executives across the Maharashtra cluster.
- Performance Coaching: Conduct weekly Power Sessions to train the team on financial statement analysis, objection handling, and lead conversion.
- Succession Planning: Build a second line of leadership to ensure territory stability and scalability.
New Territory Establishment & Market Entry
- Market Mapping: Conduct a Gap Analysis of the Mumbai-Pune corridor to identify untapped industrial pockets (e.g., expanding into Nashik or Aurangabad clusters once the core territory is stabilized).
- Local Branding: Spearhead local marketing initiatives, such as Loan Melas or SME Seminars, to establish Yuvolt as the preferred lending partner in new zones.
- Operational Setup: Oversee the logistics of remote operations in sub-territories, ensuring that reporting lines and communication channels remain seamless.
Strategic Revenue Growth & Target Accountability
- Forecasting: Develop quarterly and annual sales forecasts for the Maharashtra region, aligning team efforts with the company's capital disbursement goals.
- Pipeline Optimization: Move beyond lead generation to Pipeline Engineeringensuring a steady flow of various ticket sizes to avoid revenue fluctuations.
- Yield Management: Focus on high-margin products (like Unsecured Business Loans) to balance the portfolio against lower-yield Secured Loans.
Institutional & Strategic Partnerships
- Ecosystem Alliances: Form formal partnerships with Industrial Associations (like MCCIA Pune), Chambers of Commerce, and Export Councils to gain exclusive access to member databases.
- Fintech & Aggregator Integration: Collaborate with local Fintech aggregators and digital platforms to automate lead flow into the territory.
- Government Liaison: Navigate local MIDC (Maharashtra Industrial Development Corporation) regulations and government schemes (like PMEGP or MSME subsidies) to offer value-added consulting to clients.
The Site Visit & Credit Assessment
- Factory/Office Audits: Conduct physical site visits to assess the Business Intent. Evaluate stock levels, machinery condition, and office scale.
- Financial Sifting: Analyze complex financial profilesBalance Sheets, Profit & Loss accounts, and GST filings (GSTR-3B/GSTR-1).
- LTV & Collateral: For Secured Loans, evaluate the suitability of the industrial/residential collateral based on Mumbai/Pune market rates.
Negotiation & Sanctioning
- Working Capital Solutions: Pitch Cash Credit (CC) or Overdraft (OD) facilities against bank-fixed limits.
- Closure: Manage the Sanction-to-Disbursement TAT (Turnaround Time). Resolve credit queries and ensure the client receives the funds seamlessly.
Qualifications & Skills
- Deep Financial Acumen: Ability to read between the lines of an Indian Balance Sheet.
- Local Knowledge: Familiarity with the Maharashtra industrial landscape (MIDC norms, local property registration laws).
- Language: Proficiency in Marathi, Hindi, and English is mandatory for field success in this territory.
- Remote Discipline: Proven track record of hitting targets without physical supervision.
