Job Summary

We are looking for an experienced and result-oriented Cluster Sales Manager to manage multiple branches/locations and drive sales of Unsecured Personal Loans. The candidate will be responsible for team handling, business development, cross-selling, achieving sales targets, and maintaining strong relationships with internal teams, customers, and sourcing partners.

Key Responsibilities

- Manage and lead a team of Sales Managers, Sales Executives and Relationship Managers across the assigned cluster.
- Drive monthly and quarterly sales targets for Unsecured Personal Loans.
- Develop and implement sales strategies to increase business volume and market penetration.
- Monitor individual and team performance and take corrective actions wherever required.
- Conduct regular team meetings, performance reviews and field visits.
- Drive cross-selling and upselling of Personal Loan products to existing customers and eligible customer segments.
- Generate business through DSA, connectors, direct sourcing, branch referrals and other sourcing channels.
- Develop and maintain strong relationships with DSAs, connectors and other business partners.
- Monitor the complete sales funnel from lead generation to login, approval and disbursement.
- Ensure quality sourcing and maintain a healthy portfolio with minimum rejection and cancellation.
- Track daily sales MIS, productivity reports, login-to-disbursement ratios and achievement against targets.
- Identify new business opportunities within the assigned cluster.
- Train, motivate and coach team members to improve productivity and conversion ratios.
- Coordinate with Credit, Operations, Collections and other departments for smooth processing and disbursement.
- Ensure compliance with company policies,



KYC requirements and applicable regulatory guidelines.
- Handle escalated customer and business-partner issues and ensure timely resolution.

Cross-Selling Responsibilities

- Identify existing customers who are eligible for additional financial products.
- Drive Personal Loan cross-selling through the existing customer base.
- Encourage the team to generate referrals and repeat business.
- Develop branch-level and customer-level cross-selling strategies.
- Track cross-sell leads, conversions and disbursements.
- Improve customer engagement and maximize business opportunities from existing relationships.

Required Skills

- Solid team handling and leadership skills.
- Excellent communication, negotiation and interpersonal skills.
- Strong knowledge of Unsecured Personal Loans and retail lending.
- Proven ability to achieve sales targets.
- Experience in cross-selling and relationship management.
- Strong DSA/connector/channel management skills.
- Good analytical and problem-solving abilities.
- Strong knowledge of sales MIS and MS Excel.
- Ability to work in a highly target-driven environment.
- Good market knowledge of the assigned territory.

Eligibility

- Qualification: Any Regular Degree / MBA preferred.
- Experience: 5+ years in Personal Loan / Unsecured Loan Sales.
- Candidates with experience in Banking, NBFC, Fintech or Retail Lending will be preferred.
- Prior experience in team handling and cross-selling is mandatory/preferred.
- Candidates willing to travel within the assigned cluster are preferred.

Key Performance Indicators (KPIs)

- Monthly Disbursement Target Achievement
- Team Productivity
- Login & Approval Ratio
- Disbursement Conversion Ratio
- Cross-Sell Achievement
- DSA/Channel Productivity
- New Customer Acquisition
- Repeat Business
- Portfolio Quality
- Team Attrition & Productivity

📌 Cluster Sales Manager (Rajamahendravaram)
🏢 Muthoot Finance
📍 Rajamahendravaram