Area Sales Manager- Retail-Unsecured Salaried- Madurai

Job Title

Area Sales Manager Retail Unsecured (Salaried Loans)

Department

Retail Assets Unsecured Loans

Reporting To

Regional Sales Manager / Zonal Business Head

Location

Madurai

Job Purpose

The Area Sales Manager Retail Unsecured (Salaried) is responsible for driving unsecured loan business (primarily personal loans for salaried customers) across the assigned geography by leading multiple branch teams strengthening channel partnerships ensuring high-quality sourcing and delivering profitable growth while maintaining strict adherence to credit and compliance norms.

Key Responsibilities

Business & Sales Ownership

• Own and deliver unsecured loan business targets (sourcing disbursement revenue) for the assigned area.
• Drive salaried segment acquisition through direct sales branch channels and digital funnels.
• Expand sourcing across corporates payroll relationships DSAs and connectors.
• Plan and execute geography-specific growth strategies for penetration and market share.
• Monitor funnel metrics (login approval disbursement TAT drop-offs) and drive improvements.
• Ensure sourcing quality in line with defined risk appetite and policy guidelines.

Team Handling & Performance Management

• Lead and manage a team of Branch Sales Managers Relationship Managers and DSTs across locations.
• Set clear targets and drive daily/weekly/monthly performance reviews.
• Conduct regular market visits and joint calls to improve productivity and closures.
• Coach teams on product features eligibility criteria bureau (CIBIL) understanding and income assessment.
• Build a high-performance culture with strong focus on discipline engagement and retention.
• Identify capability gaps and drive structured training interventions.

Channel & Corporate Relationship Management

• Build and deepen relationships with corporate clients for salaried employee sourcing.
• Manage DSAs fintech partners and aggregator channels to scale volumes.
• Drive strategic partnerships with HR/payroll teams for pre-approved and program-based sourcing.
• Ensure productivity and quality benchmarks across all sourcing channels.

Credit Policy & Process Adherence

• Ensure adherence to unsecured loan credit policies bureau norms and compliance guidelines.
• Maintain strong control on documentation fraud checks and verification processes.
• Coordinate with Credit Risk Operations and Fraud Control Units for smooth processing.
• Ensure audit readiness and zero tolerance for deviations or process lapses.

Customer Experience & Service Delivery

• Ensure seamless customer journey from application to disbursement.
• Act as escalation point for high-value or sensitive customer cases.
• Drive quick turnaround times (TAT) and high service standards.
• Promote cross-sell and repeat business from existing customers.

Portfolio Quality & Risk Management

• Monitor portfolio health including early delinquency bounce rates and vintage performance.
• Ensure sourcing discipline to minimize NPAs and credit losses.
• Work closely with collections teams for early bucket control and resolution.
• Conduct periodic portfolio reviews and implement corrective actions.

Key Skills & Competencies

• Strong multi-location team leadership and people management
• Deep understanding of unsecured lending (personal loans salaried segment)
• Strong analytical ability on bureau income and risk profiling
• Excellent channel and corporate relationship management skills
• High execution orientation with strong control on quality and compliance

Educational Qualification

• Graduate in any discipline
• MBA / PGDM (Marketing / Finance) preferred

Experience

• 610 years of experience in unsecured retail lending (Personal Loans preferred)
• Minimum 34 years in team handling / area management role
• Experience in Banks / NBFCs / Fintech lending preferred

Key Performance Indicators (KPIs)

• Unsecured loan disbursement & sourcing achievement
• Area productivity and conversion ratios
• Portfolio quality (delinquency / bounce rates / GNPA)
• Channel productivity (DSA / corporate / digital)
• TAT adherence and customer satisfaction
• Audit & compliance scores

Required Experience:

Manager