Location: Hyderabad
Role Type: Team Management | Individual Contributor (Hybrid)
Business Unit: Retail Unsecured Loans
The Area Sales Manager (ASM) will be responsible for driving business volumes for Retail Unsecured Business Loans across assigned Hyderabad territory. This role includes managing a team of Sales Managers (SMs), expanding the DSA network, ensuring high?quality sourcing, and delivering consistent business growth while maintaining portfolio quality.
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Achieve monthly and quarterly sales targets for unsecured business loans in the retail segment.
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Drive lead generation through DSAs, channel partners, and internal references.
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Identify and onboard new DSAs; strengthen relationships with existing partners.
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Develop and execute area-wise sales strategies to enhance penetration.
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Manage a team of Sales Managers (SMs) and ensure productivity through regular reviews and field coaching.
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Set clear performance objectives, track KPIs, and implement corrective actions when required.
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Conduct daily/weekly meetings to review funnel, lead status, and closures.
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Train the team on product knowledge, credit policies, and system processes.
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Build strong relationships with DSAs to ensure consistent sourcing.
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Monitor DSA performance, payout structures, documentation quality, and TAT adherence.
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Conduct periodic visits and engagements for motivation and performance management.
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Work closely with credit and operations for file processing, eligibility checks, and quick TAT.
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Ensure compliance with underwriting guidelines and maintain healthy portfolio quality.
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Identify and eliminate fraud/negative profiles at the sourcing stage.
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Gather competitor insights on pricing, product, and market movements.
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Identify new micro-markets, segments, and business opportunities.
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Share market feedback with product and leadership teams.
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Maintain accurate sales reports, daily activity trackers, DSA performance sheets, and funnel MIS.
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Present weekly and monthly performance updates to senior leadership.
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Strong knowledge of retail unsecured business loans
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Excellent team handling and mentoring capability
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Strong DSA/channel management skills
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Good understanding of credit assessment, financials, and risk filters
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Result-oriented mindset with strong negotiation & relationship management
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Ability to work in a fast-paced, target-driven environment
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Proficient in MS Excel, CRM tools, and sales MIS
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Strong communication and interpersonal skills
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Graduate/MBA preferred
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5–10 years of experience in retail unsecured business loans
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Minimum 2–3 years in a team-handling role
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Experience working with DSAs, NBFCs, or banks
