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