Job Description: Area Sales Manager – Retail Secured Loans
Location:
Chittoor

Role Type:
Team Management + Channel (DSA) Management

Business Unit:
Retail Secured Loans (LAP / Mortgage / Secured Business Loans)

Role Summary
The Area Sales Manager (ASM) – Retail Secured Loans will drive business growth in the Chittoor territory by managing a frontline sales team and developing a strong DSA and channel partner ecosystem. The role requires solid market connections, in?depth understanding of secured lending, and the ability to ensure quality sourcing while achieving monthly targets.

Key Responsibilities
1. Sales & Business Development
- Achieve sales targets for LAP, Mortgage Loans, and Secured Business Loans.
- Develop business through DSAs, connectors, property agents, and open market channels.
- Expand company presence across Chittoor town and surrounding mandals (Tirupati belt, Madanapalle, Punganur etc.).
- Conduct regular market visits to identify recent customer segments and high?potential micro?markets.

2. Team Management
- Lead, supervise,



and drive productivity of Sales Managers / Sales Officers.
- Track end?to?end funnel movement—lead generation to disbursement.
- Conduct daily/weekly review meetings for performance, gaps, and corrective action.
- Train the team on product, credit norms, documentation, and competition insights.

3. Channel / DSA Management
- Identify, onboard, and activate DSAs across Chittoor & nearby regions.
- Build strong ongoing relationships to ensure consistent lead flow.
- Ensure DSA compliance with KYC norms, documentation quality, and credit policy adherence.
- Conduct partner engagement, motivation activities, and performance reviews.

4. Credit, Risk & Operations Coordination
- Work closely with credit managers for file assessments, legal/technical checks, and timely sanctions.
- Ensure high?quality sourcing to maintain a healthy portfolio with minimum delinquency.
- Coordinate with operations for smooth processing & disbursement

📌 LM_RSB_Chittoor (Andhra Pradesh)
🏢 Aditya Birla Capital
📍 Andhra Pradesh