Area Sales Manager – Unsecured Loans
Company: F2 Fintech Designation: Area Sales Manager Department: Unsecured Loans
Location: Noida, Uttar Pradesh
Reporting To: Regional Sales Manager
Employment Type: Full-Time
About the Role
As an Area Sales Manager – Unsecured Loans, you will be responsible for driving business growth across the assigned area by managing multiple branches, sales teams, and distribution channels. You will be accountable for achieving area-level business and disbursement targets, developing channel partnerships, strengthening the sales pipeline, and ensuring consistent team productivity across the unsecured lending portfolio.
The ideal candidate should have strong leadership, sales, and business development skills, along with a target-oriented approach and the ability to manage multiple teams and stakeholders in a fast-paced fintech environment.
Key Responsibilities
1. Area Business Growth
- Drive business growth across the assigned area by achieving monthly, quarterly, and annual disbursement, revenue, and profitability targets.
- Develop and expand business for Personal Loans, Business Loans, Professional Loans, and other unsecured/collateral-free credit products.
- Prepare area-level business plans and strategies to achieve assigned targets.
- Identify new markets, customer segments, and business opportunities to increase area penetration.
- Ensure consistent business performance across all branches and teams under the assigned area.
2. Sales Team Leadership & Management
- Lead, manage, and motivate Branch Managers, Team Leaders, Relationship Managers, and Sales Executives across the assigned area.
- Set clear branch-wise and team-wise targets and ensure achievement of assigned KPIs.
- Conduct regular performance reviews, sales meetings, and productivity assessments.
- Coach and mentor sales managers and team members to improve their sales capabilities and product knowledge.
- Identify performance gaps and implement appropriate corrective and improvement plans.
- Build a high-performing and target-oriented sales culture across the area.
3. Lead Generation & Customer Acquisition
- Drive customer acquisition across the assigned area through digital leads, tele-calling, referrals, self-sourcing, field activities, and other acquisition channels.
- Ensure branches and sales teams maintain a consistent and quality lead pipeline.
- Monitor lead generation, follow-up, application login, approval, conversion, and disbursement.
- Develop strategies to improve lead conversion and customer acquisition.
- Drive repeat business, referrals, and cross-selling opportunities from existing customers.
4. Channel Partner Development
- Build, expand, and maintain relationships with DSAs, brokers, connectors, financial consultants, and strategic channel partners.
- Identify and onboard new channel partners across the assigned area.
- Develop partner-specific business plans to increase sourcing and disbursement.
- Monitor partner productivity, lead quality, conversion, and business contribution.
- Ensure regular engagement with key partners and resolve partner-related escalations promptly.
5. Customer Profiling & Product Sales
- Ensure sales teams conduct appropriate needs-based financial profiling of customers.
- Guide teams in recommending suitable unsecured credit products based on customer requirements and eligibility.
- Ensure accurate communication of product features, eligibility, documentation, pricing, and applicable terms.
- Drive cross-selling, repeat business, and customer referrals.
- Ensure high standards of customer service and ethical sales practices across the area.
6. Area Sales Planning & Execution
- Prepare and execute weekly, monthly, quarterly, and annual area sales plans.
- Allocate targets across branches, teams, and sales channels based on market potential and business opportunities.
- Develop market penetration strategies and local business development initiatives.
- Monitor competitor activities, market trends, and customer behaviour within the assigned area.
- Plan and execute area-level promotional campaigns, market activities, and sales drives.
- Ensure effective implementation of company sales strategies at the ground level.
7. Pipeline & Performance Management
- Monitor lead generation, application login volumes, approval ratios, conversion ratios, login-to-disbursement ratios, and the overall sales pipeline across the area.
- Conduct regular branch-wise and team-wise performance reviews.
- Track achievement against daily, weekly, monthly, quarterly, and annual targets.
- Identify underperforming branches and teams and implement focused action plans.
- Ensure timely movement of cases through the sales and loan processing cycle.
- Maintain strong visibility on the area's business pipeline and projected disbursement.
8. Operational Excellence
- Ensure smooth end-to-end processing of loan applications across the assigned area.
- Ensure proper documentation, eligibility assessment, application login, and submission by sales teams.
- Coordinate with Credit, Operations, Legal, Technical, Banking, and other internal teams to resolve application-related issues.
- Monitor loan processing TAT and ensure pending cases are followed up on regularly.
- Identify operational bottlenecks and implement measures to improve processing efficiency.
- Ensure a smooth customer experience throughout the loan journey.
9. Partner & Stakeholder Management
- Maintain strong relationships with Banks, NBFCs, Fintech partners, DSAs, brokers, connectors, and other business stakeholders.
- Develop strategic relationships that contribute to sustainable area-level business growth.
- Coordinate with internal stakeholders to maximize business opportunities and resolve escalations.
- Ensure timely resolution of customer, partner, and operational issues.
- Represent F2 Fintech professionally while managing external business relationships.
10. Reporting, CRM & Compliance
- Ensure accurate and timely updating of all leads, customer interactions, applications, and business status in the CRM.
- Monitor branch-wise and area-wise sales activity and productivity reports.
- Submit timely daily, weekly, and monthly performance reports to the Regional Sales Manager.
- Ensure adherence to company policies, sales processes, compliance requirements, and regulatory guidelines.
- Monitor sales teams to ensure ethical sales practices and accurate customer communication.
- Participate in product training, management reviews, business meetings, and organizational initiatives.
Key Performance Indicators (KPIs)
- Area Disbursement & Business Volume
- Revenue & Profitability
- Monthly, Quarterly & Annual Target Achievement
- Branch-wise & Team-wise Target Achievement
- Lead Generation & Conversion Ratio
- Login-to-Disbursement Ratio
- Sales Team Productivity
- Channel Partner Activation & Productivity
- Customer Acquisition & Repeat Business
- Loan Processing TAT
- CRM & Reporting Compliance
- Portfolio Quality & Business Sustainability
Required Skills & Competencies
- Strong leadership and team management skills.
- Excellent sales and business development capabilities.
- Strong understanding of unsecured lending products.
- Proven experience in managing multiple sales teams or branches.
- Strong DSA, broker, connector, and channel partner management skills.
- Excellent negotiation and relationship management abilities.
- Strong analytical and problem-solving skills.
- Excellent communication and interpersonal skills.
- Strong sales pipeline and performance management capabilities.
- Target-oriented and result-driven approach.
- Ability to manage multiple stakeholders and business functions.
- Good understanding of CRM and sales reporting systems.
- Ability to work in a fast-paced Fintech, NBFC, Banking, or Financial Services environment.
Preferred Experience & Qualifications
- Graduate/MBA in Business Administration, Finance, Marketing, or a related field.
- 4–6 years of experience in sales or business development, preferably in Fintech, NBFC, Banking, or Financial Services.
- Prior experience managing an area, multiple branches, or multiple sales teams.
- Experience in Personal Loans, Business Loans, Professional Loans, or other unsecured lending products will be preferred.
- Proven track record of achieving and exceeding business targets.
- Experience in channel partner or DSA management will be an advantage.
Role Expectations
The Area Sales Manager is expected to take complete ownership of business performance across the assigned area, effectively manage multiple branches and sales teams, develop strong distribution and channel partnerships, maintain a healthy business pipeline, and consistently deliver area-level growth while ensuring operational efficiency, customer satisfaction, portfolio quality, and compliance.
How to Apply
Interested candidates can apply through Indeed. Shortlisted candidates will be contacted by our HR team for the next steps.
Pay: ₹600,000.00 - ₹840,000.00 per year
Work Location: In person
