Job Description

Job Description: Area Sales Manager - Retail Secured Loans

Location: Chittoor
Role Type: Team Management + Channel (DSA) Management
Business Unit: Retail Secured Loans (LAP / Mortgage / Secured Business Loans)

Role Summary

The Area Sales Manager (ASM) - Retail Secured Loans will drive business growth in the Chittoor territory by managing a frontline sales team and developing a strong DSA and channel partner ecosystem. The role requires solid market connections, indepth understanding of secured lending, and the ability to ensure quality sourcing while achieving monthly targets.

Key Responsibilities

1. Sales & Business Development

• Achieve sales targets for LAP, Mortgage Loans, and Secured Business Loans.
• Develop business through DSAs, connectors, property agents, and open market channels.
• Expand company presence across Chittoor town and surrounding mandals (Tirupati belt, Madanapalle, Punganur etc.).
• Conduct regular market visits to identify new customer segments and highpotential micromarkets.

2. Team Management

• Lead, supervise, and drive productivity of Sales Managers / Sales Officers.
• Track endtoend funnel movement-lead generation to disbursement.
• Conduct daily/weekly review meetings for performance, gaps, and corrective action.
• Train the team on product, credit norms, documentation, and competition insights.

3. Channel / DSA Management

• Identify, onboard, and activate DSAs across Chittoor & nearby regions.
• Build strong ongoing relationships to ensure consistent lead flow.
• Ensure DSA compliance with KYC norms, documentation quality, and credit policy adherence.
• Conduct partner engagement, motivation activities, and performance reviews.

4. Credit, Risk & Operations Coordination

• Work closely with credit managers for file assessments, legal/technical checks, and timely sanctions.
• Ensure highquality sourcing to maintain a healthy portfolio with minimum delinquency.
• Coordinate with operations for smooth processing & disbursements.

5. Market & Competitor Intelligence

• Track competitor offerings, pricing, TAT, and policy movements.
• Share insights with senior leadership to refine local strategies.
• Identify growth opportunities in emerging pockets within the Chittoor district.

6. Reporting & Compliance

• Maintain daily reports, MIS, funnel trackers, and DSA performance sheets.
• Ensure adherence to company policies, audit norms, and regulatory compliance.

Skills & Competencies

• Strong knowledge of secured lending (LAP / Mortgage)
• Exceptional DSA/channel management skills
• Strong people management & leadership abilities
• Good understanding of property documentation, valuation, and legal processes
• Excellent communication, negotiation, and networking skills
• Proficiency in MS Excel, CRM tools, and sales MIS

Qualifications & Experience

• Graduate
• 5-10 years of secured loan sales experience
• Minimum 2 years of team-handling experience
• Strong local market knowledge of Chittoor & surrounding geography