Area Sales Manager

Job Description Area Sales Manager

Designation: Manager / Senior Manager 

About the Role

As an Area Sales Manager, you will be responsible for driving growth in the high-ticket MSME/SME secured loan business by building strong teams, deepening channel partnerships and delivering consistent business performance.

Reporting To: Regional Sales Manager
Location: Mumbai & Raipur

Qualifications & Experience

• Graduate / Postgraduate / MBA
• 5+ years of experience in Banking, NBFC or Financial Services
• Proven experience in SME/MSME secured lending
• Prior exposure to team management or people leadership is preferred

Key Responsibilities

• Drive growth in high-ticket MSME/SME loan business and consistently achieve monthly and quarterly disbursement targets.
• Build, lead and manage a team of Relationship Managers (RMs), including hiring, onboarding, training and performance management.
• Set clear sales targets, track productivity and conduct regular performance reviews and field-level coaching.
• Expand and strengthen channel partnerships, including DSAs and referral partners, to improve sourcing scale and lead quality.
• Drive day-to-day business through field activities, local campaigns and promotional initiatives.
• Review customer profiles and ensure documentation accuracy in line with credit, risk and compliance guidelines.
• Build strong relationships with MSME customers, DSAs and key stakeholders to generate repeat and referral business.
• Ensure high conversion of sourced leads into successful disbursements while maintaining portfolio quality.
• Collaborate closely with Credit, Operations and Risk teams to ensure smooth processing and quick turnaround times.
• Stay updated on product offerings, credit policies, market trends and competitive landscape.
• Drive and monitor collections by overseeing accounts up to 12 months post onboarding, ensuring timely repayments, minimizing delinquencies and coordinating with sales, credit and collection team to maintain portfolio health. 

Skills & Competencies

• Strong sales leadership, negotiation and relationship-management skills.
• Effective communication skills in English and the local language.
• Prior experience in NBFCs or PSU/private sector banks in a similar role.
• Solid understanding of MSME business models, cash flows and credit fundamentals.
• Target-driven, execution-focused and comfortable working in a high-performance environment.
• Strong problem-solving ability with a high sense of ownership and accountability.
• Strong local market knowledge with an existing DSA network.
• Exposure to digital lending platforms and CRM tools.