Role & responsibilities

Job Title

Zonal Sales Manager Cross Sell Personal Loans

Location

Andhra Pradesh & Telangana

Reporting To

Regional Business Head / National Sales Head

Job Summary

The Zonal Sales Manager will be responsible for driving cross-sell personal loan business across Andhra Pradesh and Telangana by leading and managing zonal sales teams, expanding distribution channels, and delivering sustainable business growth. The role involves developing sales strategies, strengthening partner relationships, ensuring portfolio quality, and achieving monthly and annual business targets.

Key Responsibilities

- Drive cross-sell personal loan business across the assigned zone to achieve revenue and disbursement targets.
- Lead, coach, and motivate Area Sales Managers, Sales Managers, and field sales teams to maximize productivity.
- Develop and execute sales strategies to increase customer acquisition and portfolio penetration.
- Build and strengthen relationships with channel partners, DSAs, financial intermediaries, and internal stakeholders.
- Identify new business opportunities and expand the distribution network across Andhra Pradesh and Telangana.
- Monitor daily sales performance, pipeline management, and conversion metrics to ensure target achievement.
- Ensure adherence to credit policies, compliance requirements, and operational guidelines.




- Maintain portfolio quality by monitoring delinquency trends and coordinating with collections teams.
- Conduct regular market visits to evaluate team performance, identify market opportunities, and assess competitor activities.
- Analyze sales MIS, prepare business reviews, and present performance updates to senior management.
- Recruit, train, and develop high-performing sales teams while fostering a performance-driven culture.
- Collaborate with Product, Operations, Credit, Marketing, and Risk teams to improve customer experience and business outcomes.

Key Performance Indicators (KPIs)

- Personal loan disbursement volume and value
- Cross-sell penetration
- Revenue and profitability
- Productivity per sales employee
- Partner acquisition and activation
- Portfolio quality and delinquency levels
- Customer acquisition and retention
- Team engagement and attrition

Qualifications

- Bachelor's degree in Business, Commerce, Finance, or a related field.
- MBA in Marketing, Finance, or Sales is preferred.

Experience

- 15+ years of experience in Personal Loans, Retail Assets, Consumer Finance, or Banking.
- Minimum 5+ years of experience managing multi-location sales teams.
- Proven experience in cross-sell personal loan business through branch banking, liability channels, or partner channels.
- Robust understanding of retail lending, credit processes, and regulatory compliance.

Preferred candidate profile

📌 Zonal Sales Manager (Hyderabad)
🏢 Muthoot Finance
📍 Hyderabad