Location: Chittoor
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 drive business growth in the Chittoor territory by managing a frontline sales team and developing a strong DSA and channel partner ecosystem. The role requires solid market connections, in?depth understanding of secured lending, and the ability to ensure quality sourcing while achieving monthly targets.
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Achieve sales targets for LAP, Mortgage Loans, and Secured Business Loans.
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Develop business through DSAs, connectors, property agents, and open market channels.
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Expand company presence across Chittoor town and surrounding mandals (Tirupati belt, Madanapalle, Punganur etc.).
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Conduct regular market visits to identify new customer segments and high?potential micro?markets.
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Lead, supervise, and drive productivity of Sales Managers / Sales Officers.
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Track end?to?end funnel movement—lead generation to disbursement.
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Conduct daily/weekly review meetings for performance, gaps, and corrective action.
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Train the team on product, credit norms, documentation, and competition insights.
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Identify, onboard, and activate DSAs across Chittoor & nearby regions.
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Build strong ongoing relationships to ensure consistent lead flow.
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Ensure DSA compliance with KYC norms, documentation quality, and credit policy adherence.
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Conduct partner engagement, motivation activities, and performance reviews.
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Work closely with credit managers for file assessments, legal/technical checks, and timely sanctions.
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Ensure high?quality sourcing to maintain a healthy portfolio with minimum delinquency.
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Coordinate with operations for smooth processing & disbursements.
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Track competitor offerings, pricing, TAT, and policy movements.
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Share insights with senior leadership to refine local strategies.
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Identify growth opportunities in emerging pockets within the Chittoor district.
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Maintain daily reports, MIS, funnel trackers, and DSA performance sheets.
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Ensure adherence to company policies, audit norms, and regulatory compliance.
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Strong knowledge of secured lending (LAP / Mortgage)
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Exceptional DSA/channel management skills
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Strong people management & leadership abilities
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Good understanding of property documentation, valuation, and legal processes
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Excellent communication, negotiation, and networking skills
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Proficiency in MS Excel, CRM tools, and sales MIS
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Graduate
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5–10 years of secured loan sales experience
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Minimum 2 years of team-handling experience
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Strong local market knowledge of Chittoor & surrounding geography
