ASM – Retail Unsecured BL_ HYD Full Time NEW

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 high?quality sourcing, and delivering consistent business growth while maintaining portfolio quality.

Key Responsibilities1. 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 area-wise 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 micro-markets, 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
• Strong DSA/channel management skills
• Good understanding of credit assessment, financials, and risk filters
• Result-oriented mindset with strong negotiation & relationship management
• Ability to work in a fast-paced, target-driven 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 team-handling role
• Experience working with DSAs, NBFCs, or banks