Area Sales Manager

Tata Capital Finance Ltd; Dabhasa; On-site; INR 600,000 - 900,000; Full time

Job summary

Tata Capital Finance Ltd is looking for an Area Sales Manager - MFB to lead a field sales team and expand the business correspondent network in Baroda region. You will partner with banks, NBFCs and financial institutions to offer a range of micro, small and asset finance products and manage regional growth.

The role requires 5+ years in NBFC/bank sales leadership, strong credit and governance knowledge, and the ability to drive collaboration across channels and districts.

Qualifications

• Experience in NBVC/NBVC MFI, SFB or bank environments.
• Minimum 5 years in sales leadership or team management.
• Familiarity with business correspondent models and JLG/BC products.
• Strong relationship, sourcing and portfolio management capabilities.

Responsibilities

• Lead a sales team of Sales Officers and field staff to expand BC networks.
• Build partnerships with banks, NBFCs and payment banks to broaden product reach.
• Drive business development and regional expansion across territories.
• Plan sales strategies to improve market share and manage risk.
• Ensure compliance, audits and operational discipline in region.

Skills

Relationship management

Business sourcing

Portfolio management

Credit underwriting

Legal and governance

Technology & automation

Business planning

Education

Post graduate/graduate in any discipline

Job description

Area Sales Manager - MFB - Baroda - Pancham Highstreet - JM

Leading a sales team of Sales Officer / field staffs to augment the Business Correspondent (BC) network of various financial institution & & Direct channel business. Build strategic partnerships with Universal Banks, NBFCs, NBFC-MFIs, Payment Banks, Small Finance Banks to provide an array of financial products and services for the channel partners. Business development & expansion on business correspondence alliance partners Innovate & develop retail asset products e.g. JLG Loans, Secured & Unsecured MSME Loans to suit the target customers and geographies. Sales strategies to improve market share and Identification of business potential areas / districts for expansion of region Enabling business growth by developing and managing a teams across assigned territories for deeper market penetration and reach. Assess potential client base and product acceptability in new regions, areas & opportunities for geographical expansion of operational areas and setting up new business correspondence alliance partners Ensure business growth and diversity of products in the region as per business plan Create a support function structure in line with the product requirement to facilitate the appraisal, documentation, disbursement, repayment and delinquency management Formulating collection strategy of your region and Preventative / risk averse measure to maintain quality portfolio Plan / design sales contest at regional levels Filed visits to monitor & guide the loan officers Responsible for work force planning, recruitment & training, suited to handle various asset products across geographies Ensuring staff skill development through meetings and continuous monitoring of various clusters on regular basis by identifying training needs as per the market trends and new business opportunities Maintaining resource optimisation & operational cost. Branch identification in your respective designated areas of operation. Responsible for handling all Compliance, Audit, Legal, Customer Service, Operations, Logistics, Admin, HR etc related issues in your region. Implementing best business practices and developing company strategies and programs while ensuring strict compliance and integrity. Min 5yrs exp + Experience working in a NBVC, NBVC MFI, SFB or Bank At least 2 years in a team handling and leadership role. Must be familiar about business correspondent model working with top lending institutions & direct lending business. Must have handle BC & JLG business. Key Skills Relationship management, Business sourcing & portfolio management, Well versed with understanding of credit underwriting, Understand critical attributes of legal and governance requirements, Good acumen of technology and automation, Business planning and product management Education : Post Graduate/ Graduate in any discipline