LM_RSB_Nirmal

Job Description: Area Sales Manager – Retail Secured Loans

Location: Nirmal

Role Type: Team Management + Channel (DSA) Management

Business Unit: Retail Secured Loans (LAP / Mortgage / Secured Business Loans)

Role Summary

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 highquality sourcing with consistent business volumes.

Key Responsibilities1. Sales & Business Development

• Achieve monthly and quarterly targets for secured lending products (LAP, Mortgage, Secured Business Loans).
• Generate business through DSAs, local connectors, property agents, builders, and open market channels.
• Expand business presence across Nirmal and surrounding mandals/towns.
• Conduct regular field visits to identify new markets and customer segments.
  
  

2. Team Management

• Lead a team of Sales Managers / Sales Officers.
• Track funnel movement—login, sanction, disbursement—on a daily basis.
• Coach, guide, and mentor the team to improve productivity and conversion ratios.
• Conduct daily/weekly reviews to monitor performance and pipeline.
  
  

3. Channel / DSA Management

• Identify, onboard, and activate DSAs across Nirmal and nearby catchments.
• Maintain strong relationships with channel partners for continuous lead flow.
• Monitor documentation quality, compliance, and credit policy adherence.
• Conduct periodic visits and engagement activities to motivate partners.
  
  

4. Credit, Risk & Operations Coordination

• Liaise with credit managers for eligibility assessment, legal/technical checks, and TAT adherence.
• Ensure highquality sourcing to maintain a healthy portfolio.
• Work with operations to ensure smooth processing and quick disbursements.
  
  

5. Market & Competitor Intelligence

• Track competitor pricing, product offerings, turnaround time, and market movement.
• Identify untapped micro-markets in Nirmal district and propose expansion strategies.
  
  

6. Reporting & Compliance

• Maintain accurate MIS, daily sales reports, funnel trackers, and DSA performance sheets.
• Ensure complete adherence to regulatory norms and company policies.
  
  

Skills & Competencies

• Strong knowledge of LAP, Mortgage, and secured lending
• Excellent DSA/channel management skills
• Strong team leadership and people management capability
• Good understanding of property documentation, legal/technical processes
• High ownership, negotiation skills, and market networking ability
• Proficient in MS Excel and sales MIS tools
  
  

Qualifications & Experience

• Graduate
• 5–10 years of secured loan sales experience
• Minimum 2 years in a team-handling role
• Strong knowledge of Nirmal market & surrounding regions

Skills Required
People Management, Team Leadership, Negotiation Skills, secured lending, Ms Excel