Cluster Sales Manager

Job Summary

We are looking for an experienced and result-oriented Cluster Sales Manager to manage multiple branches/locations and drive sales of Unsecured Personal Loans. The candidate will be responsible for team handling, business development, cross-selling, achieving sales targets, and maintaining strong relationships with internal teams, customers, and sourcing partners.

Key Responsibilities

• Manage and lead a team of Sales Managers, Sales Executives and Relationship Managers across the assigned cluster.
• Drive monthly and quarterly sales targets for Unsecured Personal Loans.
• Develop and implement sales strategies to increase business volume and market penetration.
• Monitor individual and team performance and take corrective actions wherever required.
• Conduct regular team meetings, performance reviews and field visits.
• Drive cross-selling and upselling of Personal Loan products to existing customers and eligible customer segments.
• Generate business through DSA, connectors, direct sourcing, branch referrals and other sourcing channels.
• Develop and maintain strong relationships with DSAs, connectors and other business partners.
• Monitor the complete sales funnel from lead generation to login, approval and disbursement.
• Ensure quality sourcing and maintain a healthy portfolio with minimum rejection and cancellation.
• Track daily sales MIS, productivity reports, login-to-disbursement ratios and achievement against targets.
• Identify new business opportunities within the assigned cluster.
• Train, motivate and coach team members to improve productivity and conversion ratios.
• Coordinate with Credit, Operations, Collections and other departments for smooth processing and disbursement.
• Ensure compliance with company policies, KYC requirements and applicable regulatory guidelines.
• Handle escalated customer and business-partner issues and ensure timely resolution.

Cross-Selling Responsibilities

• Identify existing customers who are eligible for additional financial products.
• Drive Personal Loan cross-selling through the existing customer base.
• Encourage the team to generate referrals and repeat business.
• Develop branch-level and customer-level cross-selling strategies.
• Track cross-sell leads, conversions and disbursements.
• Improve customer engagement and maximize business opportunities from existing relationships.

Required Skills

• Strong team handling and leadership skills.
• Excellent communication, negotiation and interpersonal skills.
• Strong knowledge of Unsecured Personal Loans and retail lending.
• Proven ability to achieve sales targets.
• Experience in cross-selling and relationship management.
• Strong DSA/connector/channel management skills.
• Good analytical and problem-solving abilities.
• Strong knowledge of sales MIS and MS Excel.
• Ability to work in a highly target-driven environment.
• Good market knowledge of the assigned territory.

Eligibility

• Qualification: Any Regular Degree / MBA preferred.
• Experience: 5+ years in Personal Loan / Unsecured Loan Sales.
• Candidates with experience in Banking, NBFC, Fintech or Retail Lending will be preferred.
• Prior experience in team handling and cross-selling is mandatory/preferred.
• Candidates willing to travel within the assigned cluster are preferred.

Key Performance Indicators (KPIs)

• Monthly Disbursement Target Achievement
• Team Productivity
• Login & Approval Ratio
• Disbursement Conversion Ratio
• Cross-Sell Achievement
• DSA/Channel Productivity
• New Customer Acquisition
• Repeat Business
• Portfolio Quality
• Team Attrition & Productivity