Territory Sales Manager

Key Responsibilities:

• BC Agent / Merchant Acquisition: Onboarding new merchants, kirana stores, and local small businesses to act as Fino BC points (touchpoints for cash deposit, withdrawal, money transfer, and account opening).
• Activation and Transaction Volume: Ensuring that newly onboarded BC agents are actively transacting. TSMs monitor metrics like Daily Average Transactions (DAT) and throughput volume.
• Product Cross-Selling: Driving the sale of various bank products through the BC network, including:
  
• Aadhaar-enabled Payment Systems (AePS) and Micro-ATMs.
• Current and Savings Accounts (CASA).
• Third-party products like insurance, loans (lead generation), and FASTag.
• Relationship Management: Regular engagement and grievance resolution for local merchants to prevent churn and maintain network loyalty.
• Training & Compliance: Educating agents on standard operating procedures (SOPs), regulatory compliance, KYC norms, and system/app usage.
• Target Achievement: Meeting monthly and quarterly targets for new outlet additions, CASA openings, and revenue generation.

2. Cluster Head (CH)

The Cluster Head oversees a broader geographical area (a cluster comprising multiple territories/districts) and manages a team of TSMs, field executives, and sales officers. This is a senior leadership role responsible for the overall P&L, strategy execution, and growth of that zone.

Key Responsibilities:

• Strategic Planning & Execution: Formulating local business strategies aligned with the banks overarching targets for customer acquisition and revenue growth within the cluster.
• Team Leadership & Management: Leading, mentoring, and monitoring a team of TSMs and sales representatives. Setting individual Key Performance Indicators (KPIs) and conducting performance reviews.
• Network Expansion & Optimization: Identifying gaps in geographical coverage and expanding the BC merchant network into unserved or high-potential rural and semi-urban pockets.
• P&L and Productivity Management: Monitoring revenue streams, controlling operational costs within the cluster, and ensuring high return on investment (ROI) from active BC points.
• Stakeholder & Partner Management: Building relationships with local corporate partners, distributors, and stakeholders to strengthen the last-mile outreach.
• Risk & Compliance Oversight: Ensuring strict adherence to regulatory frameworks, RBI guidelines, anti-money laundering (AML) policies, and internal bank audits across the cluster. Minimizing fraud and cash-management discrepancies.Role & responsibilities

Preferred candidate profile