Job Description:

Area Sales Manager PL DSA – CONSUMER LOANS, RETAIL LENDING

About the Business Group:
The Consumer Loan department is a part of Retail Lending business of the bank and offers Personal loans and Education Loans to all categories of customers Pan India.
About the Role:
The role Area Sales Manager – Personal Loan involves driving Personal Loan business through a team of Sales Managers, ensure growth in Book Size, maintain product level profitability, build a robust distribution, deliver on the recent initiatives rolled out. It requires strategic planning and execution to boost revenue, grow the portfolio, and maintain risk and compliance.
Details of the Role:
Department Retail Lending Grade M/SM/AVP
Sub-Department RL- Consumer Loans Reporting (Business) AVP/VP
Location Mumbai Reporting (Matrix)
Key Responsibilities:

- Business Goals & Profitability

- Responsible for driving the P&L; of Personal Loans
- Prepare the sales budget and execute strategies that enable achieving the target
- Prepare Monthly, Quarterly, and Annual sales forecasts and be responsible for the Area sales target along with the growth and profitability of the portfolio
- Audit, Compliance, and Risk Management

- Ensure risk compliance through the completion of FCI and Internal Investigations observations, and repeat observations, ensuring timely and satisfactory closure.
- Be responsible for the quality of the business portfolio by closely working with Risk and Credit teams and ensuring RAC Audits.

- Sales and Channel Development

- Develop and enhance new and existing channels of sales, such as DSA
- Ensure digital adoption (MLP) and scale up applications through digital journeys
- Responsible for Cross sell and Vas products penetration.
- Responsible of Channel activation.
- Responsible for Productivity of SM.
- Responsible for setting up right distribution span across area’s and segments.

- Customer Experience





- Oversee a fulfilling customer journey leading to customer delight and making the Bank the partner of choice.
- Increase customer retention and drive engagement across existing customers to improve Net Promoter Score, customer satisfaction.
- Responsible for FTR for his territory.
- Collaboration and People Priorities

- Collaborate with cross-functional partners to drive business results
- Control regrettable attrition across all grades to maintain a strong and motivated team
- Drive various people agenda, including but not limited to, values, talent management, internal mobility, culture, learning and developments

Role Requirements:

Qualification:

- Graduation/post-graduation from a recognized institute
- 7+ sales experience (unsecured loans preferred) with at least 3-4 years in Personal loans

Role Proficiencies:

- Strong sales orientation
- Proficiency in managing complex client relationships, diverse stakeholders
- Capability to handle pressure and meet deadlines
- Skill in managing large, geographically spread team; coaching and mentoring team members
- Competence in managing within a dynamic, priority-setting environment
- Strong risk and compliance mindset
- Adept at communication and interpersonal skills

Skills:

Refer to the Job Description

About Company:

Axis Bank is the third largest private bank in India, serving ~59 million customers with a workforce of over 104,400 employees as on March 31, 2025. The Bank offers the entire spectrum of financial services to customer segments covering Large and Mid-Corporates, MSME, Agriculture and Retail Businesses. As on March 31, 2025, The Bank has a large footprint of 5,876 domestic branches, 13,941 ATMs and cash recyclers, with close to 47% branches in rural and semi-urban region. The Bank's overseas operations encompass eight international offices, including branches in Singapore, Dubai (at DIFC), and Gift City-IBU. There are also representative offices in Dhaka, Dubai, Abu Dhabi, and Sharjah. The international offices focus on Corporate Lending, Coverage Business, Trade Finance, Syndication, Investment Banking, Liability Businesses, and Private Banking/Wealth Management offerings.

📌 RL - Consumers:Area Sales Manager - Personal Loan - DSA (Visakhapatnam)
🏢 Axis Bank
📍 Visakhapatnam