LM_RSB_Nirmal

Job description

****Job Description: Area Sales Manager – Retail Secured Loans**** **Location:** Nirmal **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 be responsible for driving business growth in the Nirmal region by managing a sales team and developing a strong network of DSAs and channel partners. This role requires strong product knowledge, local market understanding, and the ability to deliver high?quality sourcing with consistent business volumes. ****Key Responsibilities**** ****1. Sales & Business Development**** - Achieve monthly and quarterly targets for secured lending products (LAP, Mortgage, Secured Business Loans). - Generate business through DSAs, local connectors, property agents, builders, and open market channels. - Expand business presence across Nirmal and surrounding mandals/towns. - Conduct regular field visits to identify new markets and customer segments. ****2. Team Management**** - Lead a team of Sales Managers / Sales Officers. - Track funnel movement—login, sanction, disbursement—on a daily basis. - Coach, guide, and mentor the team to improve productivity and conversion ratios. - Conduct daily/weekly reviews to monitor performance and pipeline. ****3. Channel / DSA Management**** - Identify, onboard, and activate DSAs across Nirmal and nearby catchments. - Maintain strong relationships with channel partners for continuous lead flow. - Monitor documentation quality, compliance, and credit policy adherence. - Conduct periodic visits and engagement activities to motivate partners. ****4. Credit, Risk & Operations Coordination**** - Liaise with credit managers for eligibility assessment, legal/technical checks, and TAT adherence. - Ensure high?quality sourcing to maintain a healthy portfolio. - Work with operations to ensure smooth processing and quick disbursements. ****5. Market & Competitor Intelligence**** - Track competitor pricing, product offerings, turnaround time, and market movement. - Identify untapped micro-markets in Nirmal district and propose expansion strategies. ****6. Reporting & Compliance**** - Maintain accurate MIS, daily sales reports, funnel trackers, and DSA performance sheets. - Ensure complete adherence to regulatory norms and company policies. ****Skills & Competencies**** - Strong knowledge of LAP, Mortgage, and secured lending - Excellent DSA/channel management skills - Strong team leadership and people management capability - Good understanding of property documentation, legal/technical processes - High ownership, negotiation skills, and market networking ability - Proficient in MS Excel and sales MIS tools ****Qualifications & Experience**** - Graduate - 5–10 years of secured loan sales experience - Minimum 2 years in a team-handling role - Strong knowledge of Nirmal market & surrounding regions