Job Description: Area Sales Manager – Retail Unsecured Business Loans
Location: Hyderabad
Role Type: Team Management | Individual Contributor (Hybrid)
Business Unit: Retail Unsecured Loans
Role Summary
The Area Sales Manager (ASM) will be responsible for driving business volumes for Retail Unsecured Business Loans across assigned Hyderabad territory. This role includes managing a team of Sales Managers (SMs), expanding the DSA network, ensuring highquality sourcing, and delivering consistent business growth while maintaining portfolio quality.
Key Responsibilities1. Sales & Business Development
- Achieve monthly and quarterly sales targets for unsecured business loans in the retail segment.
- Drive lead generation through DSAs, channel partners, and internal references.
- Identify and onboard new DSAs; strengthen relationships with existing partners.
- Develop and execute area-wise sales strategies to enhance penetration.
2. Team Management
- Manage a team of Sales Managers (SMs) and ensure productivity through regular reviews and field coaching.
- Set clear performance objectives, track KPIs, and implement corrective actions when required.
- Conduct daily/weekly meetings to review funnel, lead status, and closures.
- Train the team on product knowledge, credit policies, and system processes.
3. Channel & DSA Handling
- Build strong relationships with DSAs to ensure consistent sourcing.
- Monitor DSA performance, payout structures, documentation quality, and TAT adherence.
- Conduct periodic visits and engagements for motivation and performance management.
4. Credit & Risk Coordination
- Work closely with credit and operations for file processing, eligibility checks, and quick TAT.
- Ensure compliance with underwriting guidelines and maintain healthy portfolio quality.
- Identify and eliminate fraud/negative profiles at the sourcing stage.
5. Market Intelligence
- Gather competitor insights on pricing, product, and market movements.
- Identify new micro-markets, segments, and business opportunities.
- Share market feedback with product and leadership teams.
6. Reporting & MIS
- Maintain accurate sales reports, daily activity trackers, DSA performance sheets, and funnel MIS.
- Present weekly and monthly performance updates to senior leadership.
Key Skills & Competencies
- Strong knowledge of retail unsecured business loans
- Excellent team handling and mentoring capability
- Strong DSA/channel management skills
- Good understanding of credit assessment, financials, and risk filters
- Result-oriented mindset with strong negotiation & relationship management
- Ability to work in a fast-paced, target-driven environment
- Proficient in MS Excel, CRM tools, and sales MIS
- Strong communication and interpersonal skills
Qualifications & Experience
- Graduate/MBA preferred
- 5–10 years of experience in retail unsecured business loans
- Minimum 2–3 years in a team-handling role
- Experience working with DSAs, NBFCs, or banks
