Area Sales Manager (Self Employed) - Noida

Job Overview

As an Area Sales Manager engaged on a self-employed basis in Noida, you will play a vital role in bolstering sales growth, client acquisition, and operational efficiency within the unsecured lending domain. This function requires strategic market segmentation, relationship building, and channel expansion to meet business goals effectively.

Key Responsibilities

• Identify local sales opportunities and lead the expansion of distribution channels while acquiring new client accounts.
• Target and approach potential direct clients by offering tailored unsecured loan structures that satisfy client needs and optimize profit margins.
• Achieve sales targets by establishing strong connections with the Direct Selling Agent (DSA) network and influencing outcomes in the sales channel.
• Increase sales of unsecured loans by managing channel databases and tactically utilizing resources to maintain a robust sales pipeline.
• Accelerate loan sanctioning turnaround by collaborating closely with internal teams to broaden channel presence and customer base.
• Monitor and report on sales activities, productivity metrics, and foster a high-performance sales culture within the team.
• Participate actively in business development contests and initiatives.
• Balance focus on both sales volume and internal rate of return (IRR) to maximize profitability through the team.
• Ensure adherence to service level agreements (SLA), optimize sales efficiency, and track return on investment (ROI).
• Implement process improvements and best practices to enhance operational output and suggest further enhancements.
• Prepare periodic operational and sales MIS reports covering disbursements, profit margins, NPAs, market expansion, product launches, and channel developments for both senior and junior management.
• Develop and reinforce distribution networks by networking strategically, considering competitive market dynamics and product positioning.
• Regularly analyze market competition and emerging trends to identify new opportunities in the unsecured lending segment.
• Engage with the DSA channel network to ensure effective customer connectivity and speedy loan processing while escalating any issues for quick resolution.
• Coordinate with risk and operations departments to maintain customer-friendly, compliant loan approval and booking procedures.
• Recommend operational improvements and technological tools to reduce processing times and improve customer satisfaction without compromising compliance.
• Address customer enquiries and complaints promptly, taking personal ownership to expedite resolutions.
• Utilize direct customer relations for post-sanction surveillance and early detection of potential NPAs.
• Operate sales activities in compliance with risk management policies, coordinating with the Risk team to uphold regulatory standards.
• Ensure proper deal documentation, credit administration, and escrow account management aligned with financial controls and regulations.
• Identify and proactively report potential risks to maintain portfolio quality and support risk management teams.
• Maintain communication with channel partners, customers, and risk teams on escalation issues as necessary.
• Collaborate with fellow Area Sales Managers and reporting Sales Managers to overcome challenges and support channel and sales growth.
• Foster strong professional relationships with key internal stakeholders including Operations and Risk Management to facilitate smooth transaction processing and issue resolution.

Additional Information

This position demands a self-driven individual capable of managing sales growth, client relations, and risk adherence in the unsecured lending sector within the local area assigned.