Area Sales Manager Retail Unsecured Business Loans

Location: Hyderabad
Role Type: Team Management | Individual Contributor (Hybrid)
Business Unit: Retail Unsecured Loans

Role Summary

The Area Sales Manager (ASM) will be responsible for driving business volumes for Retail Unsecured Business Loans across assigned Hyderabad territory. This role includes managing a team of Sales Managers (SMs), expanding the DSA network, ensuring highquality sourcing, and delivering consistent business growth while maintaining portfolio quality.

Key Responsibilities 1. Sales Business Development
- Achieve monthly and quarterly sales targets for unsecured business loans in the retail segment.
- Drive lead generation through DSAs, channel partners, and internal references.
- Identify and onboard new DSAs; strengthen relationships with existing partners.
- Develop and execute areawise sales strategies to enhance penetration.

2. Team Management
- Manage a team of Sales Managers (SMs) and ensure productivity through regular reviews and field coaching.
- Set explicit performance objectives, track KPIs,



and implement corrective actions when required.
- Conduct daily/weekly meetings to review funnel, lead status, and closures.
- Train the team on product knowledge, credit policies, and system processes.

3. Channel DSA Handling
- Build strong relationships with DSAs to ensure consistent sourcing.
- Monitor DSA performance, payout structures, documentation quality, and TAT adherence.
- Conduct periodic visits and engagements for motivation and performance management.

4. Credit Risk Coordination
- Work closely with credit and operations for file processing, eligibility checks, and quick TAT.
- Ensure compliance with underwriting guidelines and maintain healthy portfolio quality.
- Identify and eliminate fraud/negative profiles at the sourcing stage.

5. Market Intelligence
- Gather competitor insights on pricing, product, and market movements.
- Identify new micromarkets, segments, and busines

📌 ASM - Retail Unsecured BL_ Professional (Hyderabad)
🏢 Aditya Birla Insulators
📍 Hyderabad