- Key Responsibilities
- Business Development & Sales

- Achieve monthly and annual tractor loan disbursement targets.
- Identify current business opportunities in rural and agricultural markets.
- Generate leads through tractor dealers, manufacturers, and direct customer interactions.
- Increase market share in the assigned area.
- 2. Dealer & Channel Management
- Develop and maintain relationships with tractor dealers and distributors.
- Appoint and support new dealer channels where required.
- Conduct dealer visits and provide product training.
- Ensure smooth coordination between dealers and credit teams.
- 3. Customer Acquisition
- Meet farmers and rural customers to promote tractor financing products.
- Explain loan features, eligibility criteria, interest rates, and repayment options.
- Assist customers in documentation and loan application processes.
- 4. Team Management
- Lead and supervise Sales Officers, Relationship Officers, or field executives.
- Set targets and monitor team performance.
- Conduct regular field visits and coaching sessions.
- Ensure productivity and discipline within the sales team.
- 5. Credit & Portfolio Quality




- Coordinate with credit and risk teams for loan approvals.
- Ensure proper customer verification and KYC compliance.
- Monitor loan delinquency and collection performance.
- Support recovery efforts to maintain healthy portfolio quality.
- 6. Market Intelligence
- Track competitor activities, pricing, and financing schemes.
- Analyze local agricultural trends and tractor demand.
- Provide market feedback to senior management.
- 7. Reporting & Compliance
- Prepare sales reports, pipeline reports, and MIS.
- Ensure adherence to company policies and regulatory guidelines.
- Maintain accurate records of customer interactions and loan applications.
- Required Qualifications
- Bachelor's degree in Business, Agriculture, Commerce, Marketing, or related field.
- MBA preferred for some organizations.
- 3–8 years of experience in tractor finance, vehicle loans, rural lending, agri-finance, or banking sales.
- Key Skills
- Sales and negotiation skills
- Rural market knowledge
- Dealer relationship management
- Team leadership
- Credit and lending knowledge
- Communication and presentation skills

📌 Area Sales Manager - Tractor Loans (Ratlam)
🏢 SkillLabs
📍 Ratlam