Area Sales Manager

Job Overview

This role involves planning and driving sales growth across a defined area such as a city or branch, in partnership with the Regional Sales Manager. The Area Sales Manager (ASM) is tasked with achieving the set sales objectives by managing and mentoring their team while strictly following sales procedures and compliance guidelines. The role requires coordination with Risk, Operations, and Sales Governance departments to preserve portfolio quality and overall business profitability.

Key Responsibilities

• Achieve agreed sales targets relating to loan book size, profitability, and growth, while ensuring excellent customer service.
• Develop localized sales operating plans that take into account competition, existing client relationships, and new business prospects to meet target goals.
• Expand market share by positioning the company’s brand as a new entrant against established competitors.
• Continuously enhance financial and operational knowledge of self and team on industry trends, negotiation tactics, relationship management, and loan processing to build long-standing customer relationships and maintain portfolio health.
• Maximize loan conversion, sanction, and utilization rates by ensuring a robust lead pipeline.
• Drive credit quality through effective portfolio selection and pre-screening processes to minimize non-performing assets.
• Ensure strict adherence to compliant sales practices despite market challenges and sales pressure.

Additional Details

The ASM is empowered to make joint approval decisions alongside the Risk counterpart as per the defined approval matrix. The position involves identifying and resolving bottlenecks, coaching team members on complex cases, and leveraging cross-selling opportunities across company financial products to meet regional plan requirements and client needs.