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.
Principal Accountabilities

Accountability

Supporting Actions

Sales Growth & Client Acquisition

Identify and execute sales growth opportunities at a local/ area level, driving channel expansion and recent account acquisition
Segment the market an

📌 Area Sales Manager (India)
🏢 Aditya Birla Capital
📍 India