1.

Sales

Strategy & Growth

? Define and execute the Micro LAP sales strategy (short/long term)

to achieve disbursement, revenue, and portfolio quality targets; set and monitor branch/cluster goals.

? Build multi-channel acquisition: own branches, outbound teams and feet-on-streets; expand presence in underpenetrated markets.

? Drive market intelligence (ticket sizes, competitor oAerings, local demand) to sharpen pricing, customer segments, and sales plays.

?

Strengthen branch productivity: territory mapping, lead funnels,

campaigns/contests, and deployment of resources to most profitable geographies.

- Team Leadership

? Build and lead a large, distributed sales team (Regional/Zonal

Heads, ASMs/RMs, Branch Sales Managers); hire, train, mentor,

and retain high performers.

? Embed a culture of compliance by equipping the sales team with structured training on credit fundamentals, accurate documentation, and strict adherence to process standards.

3.

Sales

Process, Operations & TAT

? Own the end-to-end sales process from sourcing to login, sanction,

and disbursement; ensure fast TAT by tight coordination with

Credit, Operations, Legal, and Collections.





? Ensure documentation and policy adherence pre- and post-sanction; minimize rejects through quality screening and complete files.

4.

Portfolio

Quality, Risk & Compliance

?

Partner with Credit/Risk to maintain book quality: monitor delinquency, bounce/NPA, and implement preventive actions;

uphold regulatory and internal compliance.

? Review sourcing mix and customer segments to reduce credit rejects and improve yield while maintaining aAordability and market suitability.

- Reporting, Analytics & P&L;

? Own P&L; metrics: productivity, yield, acquisition cost, and profitability at region/zone/national levels; present performance dashboards and action plans to leadership.

? Use data to optimize sales plays and resource deployment.

6.

Collections

Collaboration

? Align with Collections to ensure timely first-cycle performance,

early resolution, and roll-rate control; incorporate feedback into sourcing filters and sales governance. Solid leadership, decision making, and analytical thinking abilities.

Key Responsibilities:

📌 Head – Micro LAP (Navi Mumbai)
🏢 Unity SFB
📍 Navi Mumbai