ABHFL - Area Sales Manager - Affordable ...

PeopleStrong; Kolkata District; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

AB Housing Finance Limited is seeking an Area Sales Manager for West Bengal to drive branch sales plans, oversee operations, manage cross-functional teams, and expand the branch book with a focus on customer acquisition.

You will coordinate with regional and risk teams to ensure compliant, efficient sales processes and deliver strong performance in a dynamic market.

Qualifications

• Key Result Areas and supporting actions for sales leadership in a housing finance branch.
• Branch sales planning and management to achieve targets and cascade plans to branches.
• Oversee end-to-end branch operations including sourcing, governance, productivity and channel management.
• Prepare MIS reports on disbursements, profitability, NPAs, market expansion and performance.
• Identify local growth opportunities and drive new customer acquisition to build a strong book.

Responsibilities

• Drive adoption of efficient processes across the customer lifecycle (sourcing, approval, servicing, collections).
• Manage local distribution and interface with partners for smooth operations.
• Ensure risk controls and compliance in collaboration with Risk and Sales Governance teams.
• Mentor team members, provide training, and ensure achievement of sales targets.

Skills

Housing Finance

Other Degree

Job description

ABHFL - Area Sales Manager - Affordable ...

ABG111594

• Financial Services
• West Bengal

Posted On 08 Sep 2026

End Date 07 Mar 2027

Required Experience 5 - 12 years

Basic Section

No. Of Position 1

Grade 10

Level NA

Organisational

BUSINESS_UNIT-1 AB Housing Finance Limited

BUSINESS_UNIT-2 AB Housing Finance Limited

BUSINESS_UNIT-3 AB Housing Finance Limited

DEPARTMENT-1 Housing Finance Sales

DEPARTMENT-2 Affordable

Country India

Skills

Skill

Housing Finance

Other Degree

CERTIFICATION

Job Description

Key Result Areas

Supporting Actions

Branch Sales Planning & Management

• Work with RSMABHFL on devising the branch sales plan and team approach for achieving targets, considering product-environmental factors, competitive forces and local trends, and cascade the same to the branch team(s)
• Track industry and market developments, scanning the local market and competitive offerings on a periodic basis
• Oversee end to end branch operations and performance, covering all aspects such as sourcing, effectiveness, governance, productivity, channel management, etc.
• Report on and direct team’s basis emerging trends and opportunities
• Manage day-to-day branch operations and administration
• Provide data for, compile and review periodic MIS reports for disbursements, profitability, NPAs, market expansion, etc. and communicate to RSM- ABHFL as well as to team members
• Identify local business growth opportunities, drive expansion and new customer acquisition initiatives to create a book of targeted size
• Work closely with team members, hand-holding critical/ complex transactions to ensure favorable closure with customer satisfaction
• Communicate sales targets and provide team members clarity on business goals, role expectations, product characteristics and USPs to enhance effectiveness of sales efforts
• Track cases in the complaint tracker/ escalations received, liaising with relevant stakeholders as required to drive satisfactory closure
• Deploy efforts/ initiatives in consultation with RSMABHFL, arising from customer satisfaction survey and resulting NPS (Net Promoter Score), targeting identified focus areas
• Propose and deploy approved solutions and schemes to drive sales and enhance profitability, ensuring dual focus on sales expansion and cost optimization
• Serve as a point of escalation and manage customer complaints/ grievances effectively, intervening especially for key relationships

Operational Effectiveness

• To drive adoption of efficient business processes/ operations across the Customer Lifecycle (Sourcing, Approval, Servicing, Collections)
• Manage local distribution across channels, interfacing with senior/ critical partners/ stakeholders as required for smooth operations
• Drive process efficiencies and faster TATs through interfacing with stakeholders across processes and functions (Risk, Operations, Sales Governance) and efficient operations
• Drive high performance by reinforcing focus on business and sales growth objectives, effective client engagement, monitoring sales operations and productivity metrics, and providing support and guidance as required
• Drive the implementation of improved processes and best practices in order to enhance operational effectiveness, productivity and overall business impact

Cross-Selling across ABC products

• Drive activities and initiatives in the team as per cross-selling strategy agreed with RSM ABHFL
• Drive alignment to the adopted Cross-Selling strategy by supporting team members with requisite communications, training, guidance, etc. as required

Team and Internal Stakeholder Management

• Guide and develop team members for enhanced customer acquisition and engagement efforts, helping them achieve superior performance standards and handholding where required
• Nominate teams for relevant technical and behavioral trainings/ seminars and work on self-development initiatives
• Proactively liaise with internal stakeholders for smooth cross-functional coordination and alignment towards achievement of business objectives
• Work with the Risk, Operations and Sales Governance teams to ensure adherence to risk management and control mechanisms
• Support risk and review process through the credit approval process and by reviewing the loan sanctioning, disbursement process and documentation to ensure controlled operations
• Review financial risk via analysis of city/ branch operations MIS and Data Analytics reports
• Drive compliant Sales Operations and sound risk management via partnership with Risk, Operations and Sales Governance teams, and necessary communication and guidance; drive timely PDD closures and collections
• As part of Relationship Maintenance with institutional customers, review reports on client accounts, business performance, etc. and liaise with Risk while guiding team on delinquency cases
• Train and guide the team for alignment with adopted early alert strategies to reduce NPA risks and losses
• Ensure systematic MIS on NPAs and credit trends, providing inputs on possible risks that could impact portfolio quality