Area Sales Manager

Role overview

This position is focused on expanding unsecured lending business across an assigned area in Uttar Pradesh. The role calls for driving market share, creating a strong local business network, nurturing channel partnerships, and coordinating with internal teams to deliver compliant, efficient loan processing and healthy portfolio quality.

Key challenges

• Build business in a highly competitive market where established networks and aggressive pricing pressure the team.
• Develop a local ecosystem that can generate leads and support cross-sell opportunities from existing customers.
• Create and sustain strong relationships with DSAs while balancing short-term targets with long-term channel health.
• Continuously strengthen product, operational, and negotiation know-how to support faster processing and stronger credibility.
• Stay updated on market movement, local customer preferences, and emerging trends to maintain a healthy sourcing funnel.
• Keep sanction, conversion, and utilization ratios high while ensuring credit quality and minimizing delinquency risk.
• Maintain compliant sales practices even when facing aggressive sales goals and changing market cycles.

What you will do

• Drive sales expansion at the local level by identifying new opportunities, widening channel reach, and winning new accounts.
• Segment the market, identify direct prospects, and convert them through customized loan solutions that balance customer need and business margin.
• Meet sales targets by building influence within the DSA network and managing channel relationships effectively.
• Grow unsecured lending volumes, maintain channel data, and use the pipeline tactically to support sustained business flow.
• Improve turnaround time for sanctions by coordinating closely with internal stakeholders and strengthening channel coverage.
• Track productivity, sales performance, and operational metrics while contributing to a high-performance culture.
• Participate in business development campaigns, contests, and other growth initiatives.
• Balance volume and value objectives through the team, with a focus on return on investment and internal service levels.
• Monitor SLA adherence, sales efficiency, and process improvement opportunities to raise operational productivity.
• Compile and share periodic business and operations reports covering disbursements, profitability, NPAs, channel growth, new products, branches, and network development.
• Strengthen distribution through networking and market outreach, keeping competitive positioning in mind.
• Review the market regularly to identify new trends, competitor offerings, and business opportunities in the unsecured segment.
• Work with DSA partners and follow the agreed contact-management approach to speed up customer connection, processing, and disbursement.
• Coordinate with risk and operations teams to ensure a smooth, customer-friendly, and compliant approval and booking process.
• Recommend changes to processes and tools that improve customer experience and reduce processing time without compromising controls.
• Address customer questions and complaints promptly and personally where needed.
• Use direct customer relationships to support post-sanction monitoring and detect early risk indicators.
• Ensure sales execution remains within risk and regulatory guidelines throughout the unsecured loan journey.
• Complete required documentation, credit administration steps, and escrow-account opening for receivables lending as per controls.
• Raise potential risk cases early and proactively report concerns to protect portfolio quality.
• Work with channel partners, customers, and risk teams to resolve escalations.
• Collaborate with peer ASMs and reporting sales managers to remove roadblocks and support acquisition growth.
• Maintain strong working relationships with operations, risk, and other key internal stakeholders for smooth transaction flow and issue resolution.

Skills and qualifications

• Strong execution and ownership of sales targets
• Commercial and business acumen
• Good understanding of lending products, especially unsecured lending
• Excellent communication and influencing ability
• Relationship building with DSAs, customers, and internal teams
• Negotiation and deal structuring skills
• Market mapping and opportunity identification
• Operational follow-through and MIS reporting
• Risk awareness and compliant sales practices
• Ability to manage turnaround time and process efficiency
• Team coordination and stakeholder management

Reporting structure and direct reports

The role may supervise Sales Managers for the unsecured business. Their purpose is to help build the book in the assigned area, develop the unsecured segment with a balanced portfolio, execute DSA engagement plans, improve market share, and manage end-to-end unsecured lending transactions while protecting credit quality.

Eligibility

Applicants should be postgraduate professionals with 8 to 10 years of overall sales experience, including at least 4 to 5 recent years in unsecured lending.

Additional information

This position is based in Uttar Pradesh, India, and is structured as a full-time, on-site role.