Area Sales Manager

Tata Capital Finance Ltd; NTR; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Tata Capital Finance Ltd in Andhra Pradesh invites an Area Sales Manager to lead a microfinance sales team across Mylavaram region, aiming at target achievement and portfolio quality.

The role involves recruiting, mentoring branch staff, expanding geography, ensuring repayment, and coordinating with HO for product needs. A postgraduate/graduate with retail lending experience is preferred.

Qualifications

• Proven ability to lead field sales teams.
• Experience in microfinance or retail lending preferred.
• Strong analytical and people management skills.

Responsibilities

• Lead a sales team to achieve business targets in Mylavaram area.
• Identify potential clients and expansion opportunities.
• Ensure portfolio quality and timely repayments across branches.
• Coach Branch Managers and Loan Officers to improve productivity.
• Maintain compliance and drive collections and recovery strategies.

Skills

Strong leadership

Team management

Sales planning

Microfinance familiarity

Education

Post Graduate/ Graduate in any discipline

Job description

Area Sales Manager - Retail MFB - Sales - Mylavaram - Main Road - JM 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