RSM - Unsecured Salaried - Hyd

Job description

**Job Description – Regional Sales Manager (Personal Loans)** **Position:** Regional Sales Manager – Personal Loans **Location:** Hyderabad **Function:** Sales **Reporting To:** Zonal Sales Manager **Job Purpose** To drive Personal Loan business across the assigned region by managing a team of Area Sales Managers (ASMs) and developing a strong Direct Selling Agent (DSA) network. The role is responsible for achieving business targets, expanding market presence, ensuring portfolio quality, and driving productivity across all sales channels. **Key Responsibilities** - Drive Personal Loan business growth across the assigned geography by achieving monthly, quarterly, and annual sales targets. - Lead, mentor, and manage a team of Area Sales Managers (ASMs) to improve productivity, efficiency, and business performance. - Develop and strengthen the DSA channel by onboarding quality DSAs, maintaining strong relationships, and driving business volumes. - Monitor DSA-wise and ASM-wise performance, ensuring target achievement and sustainable business growth. - Formulate regional sales strategies to increase market penetration and customer acquisition. - Conduct regular field visits with ASMs and DSAs to identify business opportunities and improve sales conversions. - Ensure adherence to credit, compliance, KYC, and regulatory guidelines while sourcing business. - Collaborate with Credit, Operations, Risk, and Collection teams for efficient processing and portfolio management. - Analyze market trends, competitor activities, and customer requirements to devise effective sales initiatives. - Drive recruitment, training, and capability building of ASMs and sales teams to enhance overall productivity. - Review sales MIS, funnel management, disbursal trends, and conversion ratios to ensure consistent business growth. - Maintain portfolio quality by ensuring business is sourced from the right customer segments and monitoring delinquency indicators. - Build and maintain strong relationships with key DSAs, channel partners, and other stakeholders to maximize business opportunities. - Identify new geographies and expansion opportunities to increase regional market share. - Conduct periodic business reviews and implement corrective action plans to bridge performance gaps. **Key Performance Indicators (KPIs)** - Personal Loan Disbursement Achievement - DSA Productivity and Activation - ASM Productivity - Customer Acquisition - Market Share Growth - Portfolio Quality and Delinquency Control - Conversion Ratio - Revenue and Profitability - Geographic Expansion - Team Engagement and Retention **Desired Candidate Profile** - Graduate; MBA preferred. - 8–12 years of experience in Personal Loans, Unsecured Lending, or Retail Assets. - Minimum 3–5 years of experience in managing multi-location sales teams. - Strong exposure to DSA channel management and business development. - Proven track record of achieving sales targets and driving regional growth. - Strong leadership, people management, and stakeholder management skills. - Excellent analytical, negotiation, and communication skills. **Core Competencies** - Sales Leadership - DSA Channel Management - Business Development - Team Management - Strategic Planning - Market Intelligence - Stakeholder Management - Performance Management - Credit & Risk Awareness - Result Orientation