Principal Accountabilities
Accountability
Supporting Actions Sales Growth & Client Acquisition Identify and execute sales growth opportunities at a local/ area level, driving channel expansion and new account acquisition
Segment the market and identify potential direct clients, approach them and generate business through customized loan structure offerings that meet client requirements and also generate good margins for business
Deliver on sales targets by building strong relationships in the DSA network and influencing DSA outcomes
o Augment the sales volumes of Unsecured lending, manage channel databases and tap them tactically to ensure healthy sales pipeline
Drive faster TATs through effective loan sanctioning by building strong relationships with internal stakeholders in order to expand channel presence and customer base
o Track & report on sales operations and productivity metrics, and work towards building a high-performance sales culture oActively participate in initiatives and contests driven by Business Development teams
Operational Effectivenesso
Work with dual focus on sales volume and value (IRR) through the teamo
Track & ensure SLA adherence, sales efficiencies and ROIoAdopt prescribed improvements in processes and best practices in order to enhance operational productivity and suggest improvements as wello
Analyze and communicate operational information periodically as per agreed timelines and MIS formats for disbursements, profits, NPAs, channel expansion, new product launches, new branches, new channel development, etc. and communicate to RSM as well as down the line
Distribution &Market
Expansiono
Develop and strengthen distribution network through liaising and networking efforts, considering product positioning and competitive pressureso
Scan the market and its competitive offerings on a periodic basis; report on emerging trends and business opportunities for the unsecured segmento
Engage with DSA channel network and execute the agreed touch point management system for faster customer connectivity and loan processing-disbursement; escalate issues appropriately for timely resolution
Customer Servicing &Relationship
Management oCoordinate with risk and operations teams to execute robust, customer friendly loan approval and booking processes Recommend improvements to operating procedures and technological tools to enhance customer experience through reduced processing TATs while simultaneously ensuring compliant operationso
Ensure customer queries/ complaints are addressed in a timely and effective manner and coordinate personally to expedite the sameo
Leverage close direct customer relationships to carry out post sanction surveillance and generate early warning signals on NPAsRisk
Managemento
Execute compliant Sales Operations and work in line with risk management principles via coordination with Risk teamo
Ensure closure of deal documentation and credit administration requirements, including opening of escrow accounts for receivables lending in line with regulatory and financial controls requirementso
Support risk management by maintaining focus on prescribed guidelines and process checks at all stages of the unsecured loan transaction and raising potential alarm cases in advanceo
Proactively identify and report risks in order to ensure portfolio quality is maintainedo
Liaise with the channel partners, customers and the risk team on specific escalation cases
Internal Stakeholder
Managementoo
Partner with peer ASMs and reporting SMs (if any) to overcome challenges and support sales growth via effective channel management, customer acquisition
Proactively build and maintain relationships with key internal stakeholders (E.g. Operations, Risk Management) for smooth and efficient transactions and issue resolution

Principal Accountabilities
Accountability
Supporting Actions Sales Growth & Client Acquisition Identify and execute sales growth opportunities at a local/ area level, driving channel expansion and new account acquisition
Segment the market and identify potential direct clients, approach them and generate business through customized loan structure offerings that meet client requirements and also generate good margins for business
Deliver on sales targets by building strong relationships in the DSA network and influencing DSA outcomes
o Augment the sales volumes of Unsecured lending, manage channel databases and tap them tactically to ensure healthy sales pipeline
Drive faster TATs through effective loan sanctioning by building strong relationships with internal stakeholders in order to expand channel presence and customer base
o Track & report on sales operations and productivity metrics, and work towards building a high-performance sales culture oActively participate in initiatives and contests driven by Business Development teams
Operational Effectivenesso
Work with dual focus on sales volume and value (IRR) through the teamo
Track & ensure SLA adherence, sales efficiencies and ROIoAdopt prescribed improvements in processes and best practices in order to enhance operational productivity and suggest improvements as wello
Analyze and communicate operational information periodically as per agreed timelines and MIS formats for disbursements, profits, NPAs, channel expansion, new product launches, new branches, new channel development, etc. and communicate to RSM as well as down the line
Distribution &Market
Expansiono
Develop and strengthen distribution network through liaising and networking efforts, considering product positioning and competitive pressureso
Scan the market and its competitive offerings on a periodic basis; report on emerging trends and business opportunities for the unsecured segmento
Engage with DSA channel network and execute the agreed touch point management system for faster customer connectivity and loan processing-disbursement; escalate issues appropriately for timely resolution
Customer Servicing &Relationship
Management oCoordinate with risk and operations teams to execute robust, customer friendly loan approval and booking processes Recommend improvements to operating procedures and technological tools to enhance customer experience through reduced processing TATs while simultaneously ensuring compliant operationso
Ensure customer queries/ complaints are addressed in a timely and effective manner and coordinate personally to expedite the sameo
Leverage close direct customer relationships to carry out post sanction surveillance and generate early warning signals on NPAsRisk
Managemento
Execute compliant Sales Operations and work in line with risk management principles via coordination with Risk teamo
Ensure closure of deal documentation and credit administration requirements, including opening of escrow accounts for receivables lending in line with regulatory and financial controls requirementso
Support risk management by maintaining focus on prescribed guidelines and process checks at all stages of the unsecured loan transaction and raising potential alarm cases in advanceo
Proactively identify and report risks in order to ensure portfolio quality is maintainedo
Liaise with the channel partners, customers and the risk team on specific escalation cases
Internal Stakeholder
Managementoo
Partner with peer ASMs and reporting SMs (if any) to overcome challenges and support sales growth via effective channel management, customer acquisition
Proactively build and maintain relationships with key internal stakeholders (E.g. Operations, Risk Management) for smooth and efficient transactions and issue resolution

Area Sales Manager

Job Description

Apply now

Stay at the forefront
of market

Area Sales Manager

Job Description

Apply now

Area Sales Manager

Job Description

Apply now

Stay at the forefront of market

Area Sales Manager

Job Description

Apply now

Stay at the forefront
of market