ASM - Retail Unsecured BL_ HYD

Job description

****Job Description: Area Sales Manager – Retail Unsecured Business Loans**** **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 Responsibilities**** ****1. 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