RSM - Unsecured Salaried - Hyd

Job Description – Regional Sales Manager (Personal Loans)

Position: Regional Sales Manager – Personal Loans

Location: Hyderabad

Function: Sales

Reporting To: Zonal Sales Manager

Job Purpose

To drive Personal Loan business across the assigned region by managing a team of Area Sales Managers (ASMs) and developing a strong Direct Selling Agent (DSA) network. The role is responsible for achieving business targets, expanding market presence, ensuring portfolio quality, and driving productivity across all sales channels.

Key Responsibilities

• Drive Personal Loan business growth across the assigned geography by achieving monthly, quarterly, and annual sales targets.
• Lead, mentor, and manage a team of Area Sales Managers (ASMs) to improve productivity, efficiency, and business performance.
• Develop and strengthen the DSA channel by onboarding quality DSAs, maintaining strong relationships, and driving business volumes.
• Monitor DSA-wise and ASM-wise performance, ensuring target achievement and sustainable business growth.
• Formulate regional sales strategies to increase market penetration and customer acquisition.
• Conduct regular field visits with ASMs and DSAs to identify business opportunities and improve sales conversions.
• Ensure adherence to credit, compliance, KYC, and regulatory guidelines while sourcing business.
• Collaborate with Credit, Operations, Risk, and Collection teams for efficient processing and portfolio management.
• Analyze market trends, competitor activities, and customer requirements to devise effective sales initiatives.
• Drive recruitment, training, and capability building of ASMs and sales teams to enhance overall productivity.
• Review sales MIS, funnel management, disbursal trends, and conversion ratios to ensure consistent business growth.
• Maintain portfolio quality by ensuring business is sourced from the right customer segments and monitoring delinquency indicators.
• Build and maintain strong relationships with key DSAs, channel partners, and other stakeholders to maximize business opportunities.
• Identify new geographies and expansion opportunities to increase regional market share.
• Conduct periodic business reviews and implement corrective action plans to bridge performance gaps.
  
  

Key Performance Indicators (KPIs)

• Personal Loan Disbursement Achievement
• DSA Productivity and Activation
• ASM Productivity
• Customer Acquisition
• Market Share Growth
• Portfolio Quality and Delinquency Control
• Conversion Ratio
• Revenue and Profitability
• Geographic Expansion
• Team Engagement and Retention
  
  

Desired Candidate Profile

• Graduate; MBA preferred.
• 8–12 years of experience in Personal Loans, Unsecured Lending, or Retail Assets.
• Minimum 3–5 years of experience in managing multi-location sales teams.
• Strong exposure to DSA channel management and business development.
• Proven track record of achieving sales targets and driving regional growth.
• Strong leadership, people management, and stakeholder management skills.
• Excellent analytical, negotiation, and communication skills.
  
  

Core Competencies

• Sales Leadership
• DSA Channel Management
• Business Development
• Team Management
• Strategic Planning
• Market Intelligence
• Stakeholder Management
• Performance Management
• Credit & Risk Awareness
• Result Orientation