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