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