Area Sales Manager Retail Secured Loans

Location: Nirmal

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 be responsible for driving business growth in the Nirmal region by managing a sales team and developing a robust network of DSAs and channel partners. This role requires strong product knowledge, local market understanding, and the ability to deliver highquality sourcing with consistent business volumes.

Key Responsibilities 1. Sales Business Development

- Achieve monthly and quarterly targets for secured lending products (LAP, Mortgage, Secured Business Loans).
- Generate business through DSAs, local connectors, property agents, builders, and open market channels.
- Expand business presence across Nirmal and surrounding mandals/towns.
- Conduct regular field visits to identify new markets and customer segments.

2. Team Management

- Lead a team of Sales Managers / Sales Officers.
- Track funnel movement login, sanction, disbursement on a daily basis.
- Coach, guide, and mentor the team to improve productivity and conversion ratios.
- Conduct daily/weekly reviews to monitor performance and pipeline.

3. Channel / DSA Management

- Identify, onboard, and activate DSAs across Nirmal and nearby catchments.
- Maintain strong relationships with channel partners for continuous lead flow.
- Monitor documentation quality, compliance, and credit policy adherence.




- Conduct periodic visits and engagement activities to motivate partners.

4. Credit, Risk Operations Coordination

- Liaise with credit managers for eligibility assessment, legal/technical checks, and TAT adherence.
- Ensure highquality sourcing to maintain a healthy portfolio.
- Work with operations to ensure smooth processing and quick disbursements.

5. Market Competitor Intelligence

- Track competitor pricing, product offerings, turnaround time, and market movement.
- Identify untapped micromarkets in Nirmal district and propose expansion strategies.

6. Reporting Compliance

- Maintain accurate MIS, daily sales reports, funnel trackers, and DSA performance sheets.
- Ensure complete adherence to regulatory norms and company policies.

Skills Competencies

- Strong knowledge of LAP, Mortgage, and secured lending
- Excellent DSA/channel management skills
- Strong team leadership and people management capability
- Good understanding of property documentation, legal/technical processes
- High ownership, negotiation skills, and market networking ability
- Proficient in MS Excel and sales MIS tools

Qualifications Experience

- Graduate
- 5 10 years of secured loan sales experience
- Minimum 2 years in a teamhandling role
- Strong knowledge of Nirmal market surrounding regions

Disclaimer: This job posting has been aggregated from external source. Role details, content, and availability are subject to change. Applicants are advised to confirm the latest information directly on the company website before applying.

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