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 clear 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 business opportunities.
- Share market feedback with product and leadership teams.

6. Reporting MIS

- Maintain accurate sales reports, daily activity trackers, DSA performance sheets, and funnel MIS.
- Present weekly and monthly performance updates to senior leadership.

Key Skills Competencies

- Strong knowledge of retail unsecured business loans
- Excellent team handling and mentoring capability
- Robust DSA/channel management skills
- Good understanding of credit assessment, ficials, and risk filters
- Resultoriented mindset with strong negotiation relationship management
- Ability to work in a fastpaced, targetdriven environment
- Proficient in MS Excel, CRM tools, and sales MIS
- Strong communication and interpersonal skills

Qualifications Experience

- Graduate/MBA preferred
- 5 10 years of experience in retail unsecured business loans
- Minimum 2 3 years in a teamhandling role
- Experience working with DSAs, NBFCs, or banks

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.

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