RSM - Unsecured Self-employed - Vijayawada

Job Description - Regional Sales Manager (Unsecured Self-Employed Loans)
Location: Vijayawada, Andhra Pradesh

Role Purpose

The Regional Sales Manager (RSM) will be responsible for driving Unsecured Self-Employed Loan business across the assigned region through a robust Direct Selling Agent (DSA) network. The role involves business development, channel expansion, team management, portfolio growth, and ensuring achievement of sales and productivity targets.

Key Responsibilities

1. Drive unsecured self-employed loan business across Vijayawada and the assigned Andhra Pradesh region through DSA channels.

2. Build, manage, and strengthen relationships with existing DSAs while onboarding new productive DSAs to expand market reach.

3. Lead and manage a team of Area Sales Managers, Sales Managers, and field sales teams to achieve regional business targets.

4. Develop market penetration strategies to increase sourcing of self-employed loan customers including traders, professionals, MSMEs, and business owners.

5. Monitor DSA productivity, business volumes, login-to-disbursement ratios, and portfolio quality.

6. Ensure quality sourcing by maintaining adherence to credit, compliance, KYC, and regulatory guidelines.

7. Conduct regular DSA engagement programs, training sessions, and performance reviews to improve productivity and retention.

8. Coordinate closely with Credit, Operations, Legal, and Risk teams to ensure seamless processing and faster turnaround times.

9. Analyze regional market trends, competitor activities, and customer needs to identify new business opportunities.

10. Drive achievement of key business metrics including disbursement targets, revenue generation, market share growth, and portfolio profitability.

11. Track and control delinquency indicators by ensuring sourcing of quality customers and maintaining portfolio health.

12. Submit periodic business reviews, sales forecasts, DSA performance reports, and regional business updates to senior management.

Desired Candidate Profile

• Graduate/Postgraduate in any discipline.
• 8-15 years of experience in Unsecured Loans, Business Loans, LAP, Personal Loans, MSME Loans, or Self-Employed Lending.
• Strong experience in managing DSA-driven business models.
• Proven track record in leading multi-location sales teams and achieving aggressive business targets.
• Strong market knowledge of Andhra Pradesh, particularly Vijayawada and surrounding regions.
• Excellent relationship management, negotiation, and team leadership skills.

Key Skills

• DSA Channel Management
• Unsecured Self-Employed Loans
• Business Loan Sales
• Team Handling & Leadership
• Business Development
• Market Expansion
• Credit & Risk Understanding
• Portfolio Management
• Stakeholder Management
• Sales Planning & Execution

Reporting To: Zonal Sales Head
Team Handling: Area Sales Managers, Sales Managers, and DSA Network across the assigned region.