LMRSBNirmal

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 Responsibilities

1. 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 movementlogin sanction disbursementon 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
• 510 years of secured loan sales experience
• Minimum 2 years in a team-handling role
• Strong knowledge of Nirmal market & surrounding regions

Required Experience:

Manager