Area Sales Manager - Microfinance

Tata Capital Finance Ltd; Gorakhpur District; On-site; INR 600,000 - 1,000,000; Full time

Job summary

Tata Capital Finance Ltd in Gorakhpur seeks an Area Sales Manager to lead a field sales team and expand the microfinance BC network. You will build strategic partnerships with banks/NBFcs to offer a range of financial products and drive regional growth.

Responsibilities include recruiting and training staff, planning sales contests, and ensuring compliance across operations, HR, and admin. A relevant degree and strong leadership are required.

Qualifications

• Minimum 5 years of experience in NBFC/Bank/L lending environments.
• At least 2 years in a team handling and leadership role.
• Familiarity with the business correspondent model and BC/JLG business.

Responsibilities

• Lead a sales team to expand the BC network and direct channel business.
• Build partnerships with Universal Banks, NBFCs, NBFC-MFIs, Payment Banks, Small Finance Banks.
• Develop and implement sales strategies to grow market share.
• Recruit, train, and manage field staff across regions for deeper market penetration.
• Oversee compliance, audit, legal, customer service, operations, logistics and HR in the region.

Skills

Relationship management

Business sourcing

Portfolio management

Credit underwriting

Legal governance

Technology and automation

Business planning

Product management

Education

Postgraduate or graduate

Job description

Area Sales Manager - Microfinance Business - Gorakhpur - Prahalad Rai Trade Centre (2nd Floor) - 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 NBFC, NBFC 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