Job DescriptionRole Summary

NThe Chief Sales Officer is responsible for driving revenue growth, market penetration, and customer acquisition across all business lines — chit funds, insurance broking, mutual fund distribution, and credit solutions. The CSO builds and leads a high-performing, multi-vertical sales organization, sets the group's sales strategy, and works closely with product, operations,compliance, and business heads to ensure sustainable, compliant growth.

NKey Responsibilities

nStrategy & Leadership

N- Define and execute the group-wide sales strategy, annual sales plans, and revenue targets across all four verticals.

N- Build, lead, and mentora multi-layered sales organization — regional/branch sales heads, team leaders, and frontline

Nsales/relationship managers.

N- Design incentive structures, sales contests, and performance management frameworks to drive productivity.

N- Represent the sales function on the group leadership team and report performance to the MD/CEO and Board.

NVertical-Specific Sales Ownership

N- Chit Funds: Drive recent subscriber enrolment, group formation, and branch-level collections targets.

N- Insurance Broking: Grow life, health, and general insurance policy sales;

strengthen insurer partnerships and

Npersistency.

n- Mutual Fund Distribution: Expand AUM, SIP book, and client folios;

deepen advisor/RM-led distribution.

N- Credit Solutions: Drive loan sourcing and disbursement volumes while maintaining sound portfolio quality.

NCross-Sell & Customer Lifecycle

N- Build cross-sell and up-sell pathways across the four verticals to maximize customer lifetime value.

N- Establish a unified customer database and referral system across business lines.

N- Champion customer experience, retention, and Net Promoter Score improvement initiatives.

NMarket & Channel Development

N- Identify new markets, branches, and channel partnerships (agents,



DSAs, brokers, digital channels) for expansion.

N- Track competitor activity, pricing, and market trends to keep company's offerings competitive.

N- Drive digital and tele-sales channel growth alongside traditional field sales.

NGovernance, Compliance & Reporting

N- Ensure all sales practices comply with applicable regulatory requirements (chit fund regulations, IRDAI,

NSEBI/AMFI, RBI/NBFC guidelines as relevant).

N- Own accurate sales MIS,forecasting, and pipeline reporting to leadership.

N- Partner with Risk and Compliance teams to balance growth with responsible business practices.

NKey Result Areas (KRAs)

N- Revenue and volume growth across each business vertical vs. plan

N- New customer acquisition and cross-sell ratio

N- Sales team productivity, attrition, and capability building

N- Channel and branch network expansion

N- Portfolio quality and compliance adherence (credit and insurance verticals)

NCandidate Requirements

NExperience & Qualifications

N- 12–18+ years of progressive sales leadership experience in BFSI/financial services, ideally spanning multiple

Nproduct lines (chit funds, insurance, mutual funds, or lending).

N- Proven track record of leading large, geographically distributed sales teams and delivering revenue growth.

N- MBA or equivalent postgraduate qualification in Sales, Marketing, or Finance preferred.

N- Relevant certifications(e.G., IRDAI, AMFI/NISM) an advantage.

NSkills & Attributes

n- Strong strategic and analytical orientation, balanced with hands-on field sales leadership.

N- Excellent stakeholder management, negotiation, and communication skills.

N- Ability to operate across diverse regulatory environments and product complexities.

N- High integrity and a compliance-first mindset given the trust-based nature of chit funds, insurance, and lending.

N- Data-driven decision-making with comfort using CRM and sales MIS tools.

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