LM_RSB_Chittoor

Job description

****Job Description: Area Sales Manager – Retail Secured Loans**** **Location:** Chittoor **Role Type:** Team Management + Channel (DSA) Management **Business Unit:** Retail Secured Loans (LAP / Mortgage / Secured Business Loans) ****Role Summary**** The Area Sales Manager (ASM) – Retail Secured Loans will drive business growth in the Chittoor territory by managing a frontline sales team and developing a strong DSA and channel partner ecosystem. The role requires solid market connections, in?depth understanding of secured lending, and the ability to ensure quality sourcing while achieving monthly targets. ****Key Responsibilities**** ****1. Sales & Business Development**** - Achieve sales targets for LAP, Mortgage Loans, and Secured Business Loans. - Develop business through DSAs, connectors, property agents, and open market channels. - Expand company presence across Chittoor town and surrounding mandals (Tirupati belt, Madanapalle, Punganur etc.). - Conduct regular market visits to identify new customer segments and high?potential micro?markets. ****2. Team Management**** - Lead, supervise, and drive productivity of Sales Managers / Sales Officers. - Track end?to?end funnel movement—lead generation to disbursement. - Conduct daily/weekly review meetings for performance, gaps, and corrective action. - Train the team on product, credit norms, documentation, and competition insights. ****3. Channel / DSA Management**** - Identify, onboard, and activate DSAs across Chittoor & nearby regions. - Build strong ongoing relationships to ensure consistent lead flow. - Ensure DSA compliance with KYC norms, documentation quality, and credit policy adherence. - Conduct partner engagement, motivation activities, and performance reviews. ****4. Credit, Risk & Operations Coordination**** - Work closely with credit managers for file assessments, legal/technical checks, and timely sanctions. - Ensure high?quality sourcing to maintain a healthy portfolio with minimum delinquency. - Coordinate with operations for smooth processing & disbursements. ****5. Market & Competitor Intelligence**** - Track competitor offerings, pricing, TAT, and policy movements. - Share insights with senior leadership to refine local strategies. - Identify growth opportunities in emerging pockets within the Chittoor district. ****6. Reporting & Compliance**** - Maintain daily reports, MIS, funnel trackers, and DSA performance sheets. - Ensure adherence to company policies, audit norms, and regulatory compliance. ****Skills & Competencies**** - Strong knowledge of secured lending (LAP / Mortgage) - Exceptional DSA/channel management skills - Strong people management & leadership abilities - Good understanding of property documentation, valuation, and legal processes - Excellent communication, negotiation, and networking skills - Proficiency in MS Excel, CRM tools, and sales MIS ****Qualifications & Experience**** - Graduate - 5–10 years of secured loan sales experience - Minimum 2 years of team-handling experience - Strong local market knowledge of Chittoor & surrounding geography