3) Job Context & Major Challenges
(What are the specific aspects of the job that provide a challenge to the jobholder in the context of the Unit/Zone?
- To originate and increase market share in assigned coverage area against stiff competition, overcoming competitive pressures borne out of better established networks, price undercutting, etc.
- To establish a strong local network and leverage the same to generate business leads, and also identify opportunities for cross sell with existing customers
- To proactively build new and nurture existing DSA relationships keeping in mind immediate and longer term business interests, and considering the phased manner of team size expansion
- To constantly upgrade financial & operational know how of self and team members on efficient loan processing, effective negotiation and relationship building for maintaining credibility with DSA network and profitable target achievement




- To keep abreast with the latest market trends and local market preferences and needs o To ensure loan conversion/ sanction/ utilization percentages are high and a broad enough sourcing funnel is built to meet targets
- To ensure credit quality and effective portfolio selection/pre-screening thereby minimizing potential NPAs
- To ensure compliant sales operations despite sales pressures and market cycles

Enabling Skill Sets & Qualifications o Critical skill sets required to meet these challenges include execution excellence, business & commercial acumen, sound product understanding, excellent communication and influencing skills.
- Education & experience required to fulfil this profile are a postgraduate with minimum 8 - 10 yrs of total sales experience of which at least recent 4-5 yrs experience should be in unsecured lending.

4) Principal Accountabilities

Accountability

Supporting Actions

Sales Growth & Client Acquisition
- Identify and execute sales growth opportunities at a local/ area level, driving channel expansion and current account acquisition

📌 Area Sales Manager (Varanasi)
🏢 Financial services
📍 Varanasi