Area Sales Manager

6 days ago

Udaipur Rajasthan, India TATA CAPITAL Full time

Degree Level Bachelor s Degree Key Responsibilities 1 Sales Leadership Team Management Lead mentor and motivate a team of Relationship Managers Sales Officers Set monthly targets track performance and drive productivity across the team Conduct regular field visits joint calls and performance reviews 2 Business Development Territory Expansion Develop and execute area-level strategies to generate business for Secured Business Loans Ensure strong penetration in SME clusters industrial areas and relevant business segments Build and nurture relationships with key local influencers trade bodies and business associations 3 Channel Management Identify appoint and manage DSAs connectors and referral partners to scale business Train and support channel partners on product documentation and credit norms Monitor channel performance and ensure compliance with company policies 4 Credit Risk Management Conduct first-level screening of customer profiles financials collateral and business viability Ensure high-quality sourcing with minimal deviations and early delinquency Coordinate closely with credit legal and technical teams for faster approvals 5 Customer Relationship Management Participate in customer meetings for major or high-ticket proposals Resolve escalations and ensure superior customer experience throughout the loan lifecycle Build long-term relationships to generate repeat and referral business 6 Documentation Compliance Disbursement Oversee the accuracy and completeness of all documentation from the team Monitor TATs for login approval sanction and disbursement Ensure adherence to internal processes audit norms and regulatory guidelines Key Skills Competencies Strong understanding of Secured Business Loans LAP and SME lending Ability to interpret financial statements and evaluate business collateral risk Leadership team management and performance coaching skills Excellent negotiation communication and relationship-building abilities Market intelligence and competitive awareness in the territory Strong result orientation with strategic planning capabilities Qualification Experience Graduate MBA PGDM preferred 4-10 years of experience in Secured Business Loans Mortgage SME lending Minimum 2 years in a team-handling role preferred Prior experience in managing DSAs connectors and local SME markets KPIs Performance Metrics Monthly disbursement achievement for the area Team productivity and activation Lead-to-disbursement conversion ratio Portfolio quality early delinquencies DPD levels Channel partner activation and contribution TAT compliance login to disbursement

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