Area Sales Manager

1 day ago

Chittoor, India Tata Capital Full time ₹ 9,00,000 - ₹ 12,00,000 per year

Drive Microfinance business by Identifying business potential locations, achieving business targets and maintaining portfolio quality.

"
•    Leading a sales team of loans Officer & Branch Managers to achieve their business targets,

•    Assess potential client base and product acceptability in new regions, areas & opportunities for geographical expansion of operational areas. 

•    Driving strong business growth by recruiting, driving, managing and motivating their team across assigned territories for deeper market penetration and reach

•    Conducting field visits to ensure onboarding of quality customers by field team and visiting centre meetings to assess their conduct. Motivating low performing branches and staff to improve their efficiencies

•    Ensuring repayment, collection efficiencies and delinquency management in their respective areas.

•    Forming innovative collection strategies in their respective areas to prevent risky areas and ensure portfolio quality.

•    Visiting overdue, non-starter and delinquent customers with the team to assist and guide them on hard bucket collections.

•    Identifying productive branch locations and Responsible for handling all Compliance, Audit, Legal, Customer Service, Operations, Logistics, Admin, HR etc. related issues in their area

•    Keeping a close eye on external environment (Defaulting pockets, Competition, Socio political issues) and understand/act with early warning signals.

•    Ensure Compliance to PHC reports & audit reports in timely manner

•    Responsible for all recruitment, training, learning and upskilling of manpower in the ranches pertaining to his are and motivating them to achieve maximum productivity.

•    Training Branch Managers and Loan officers to improve their productivity, customer assessment, technical knowledge, improving FTR and reducing TAT

•    Guiding staff to promptly always resolve any customer complaints and maintain desired customer satisfaction. This is to ensure brand recall amongst customers and non-customers while maintaining strong brand value

•    Serving as a strong middle link between Head Office and Field Staff to disseminate important information

•    Providing inputs for enhance existing and suggesting new products to Head Office Teams which suit their target customers and geographies

•    Supervising a cluster of 4-6 branches within his area and assisting, monitoring and supervising them on all aspects to ensure smooth conduct of business operations.

•    Ensure all laid down system and processes are followed at the branch as stipulated by the Senior Management.

•    Ensure that all staff are adequately trained on the Products of the company and Processes"

Qualification : Post Graduate/ Graduate in any discipline

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