osition: Zonal Sales Manager (ZSM)

Location: Chandigarh (Managing Tri-City Chandigarh, Mohali & Panchkula)

Industry: NBFC (Non-Banking Financial Company)

Department: Sales & Business Development

Reporting To: Regional Business Head / State Head

Position Overview

We are looking for a highly motivated and result-oriented Zonal Sales Manager to lead and expand the company's business across the Tri-City region. The incumbent will be responsible for driving sales of the company's complete portfolio of lending products, building and managing high-performing sales teams, strengthening channel partnerships, and ensuring sustainable business growth while maintaining portfolio quality.

Key Responsibilities

Business Development

- Drive business growth across all lending products, including Personal Loans, Business Loans, Loan Against Property (LAP), Home Loans, Vehicle Loans, Gold Loans, SME Loans, Consumer Durable Finance, and other financial products offered by the company.
- Develop and execute regional business plans to achieve sales, profitability, and portfolio growth targets.
- Identify new business opportunities through direct sales, channel partners, and strategic alliances.

Sales & Revenue Management
- Achieve monthly, quarterly, and annual business targets for the assigned territory.
- Monitor sales performance and implement corrective actions to improve productivity.
- Increase market penetration and customer acquisition across the Tri-City region.

Team Leadership
- Lead, mentor, and motivate Branch Managers, Area Sales Managers,



Relationship Managers, and Sales Executives.
- Set performance objectives, conduct regular reviews, and develop talent through coaching and training.
- Build a high-performance sales culture focused on customer satisfaction and business excellence.

Channel & Partner Management
- Develop and manage relationships with Direct Selling Agents (DSAs), connectors, builders, property consultants, automobile dealers, Chartered Accountants, financial advisors, and other referral partners.
- Expand the partner ecosystem to generate sustainable business volumes.
- Ensure partner productivity and engagement through regular interactions and incentive programs.

Portfolio & Credit Quality
- Work closely with Credit, Risk, Operations, and Collections teams to maintain healthy portfolio quality.
- Ensure adherence to credit underwriting guidelines and regulatory policies.
- Monitor delinquency levels and support timely collections to minimize NPAs.

Customer Relationship Management
- Build strong relationships with key customers and institutional partners.
- Ensure a superior customer experience throughout the sales and loan disbursement process.
- Resolve escalations promptly and maintain high customer satisfaction.

Compliance & Governance
- Ensure compliance with RBI regulations, internal policies, KYC, AML, and company processes.
- Promote ethical selling practices and maintain robust operational controls.
- Support internal and external audits as required.

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