Area Sales Manager - Retail MFB

Tata Capital Finance Ltd; Srikakulam; On-site; INR 600,000 - 1,200,000; Full time

Job summary

Tata Capital Finance Ltd. is seeking an Area Sales Manager for Retail MFB in Srikakulam, Palakonda Road.

The role involves leading a sales team to achieve targets, expanding into new regions, and ensuring portfolio quality through strong onboarding and collections management. You will recruit, train, and motivate branch staff, monitor performance across 4-6 branches, and coordinate with Head Office to align products with local markets while maintaining rigorous compliance and customer service

Qualifications

• Leading a sales team of loans Officers & Branch Managers to achieve targets.
• Assess potential client base and product acceptability in new regions and expansion opportunities.
• Driving growth by recruiting, managing and motivating the team for deeper market reach.
• Ensuring repayment, collection efficiencies and delinquency management in their areas.
• Forming innovative collection strategies to prevent risk and maintain portfolio quality.

Responsibilities

• Visit branches and customers to ensure onboarding of quality customers.
• Train and upskill manpower in the area and supervise 4-6 branches.
• Ensure staff compliance with processes and audit requirements.
• Provide inputs for new products suited to target customers and geographies.

Skills

Sales leadership

Team management

Field sales

Geographic expansion

Customer onboarding

Education

Post Graduate/Graduate in any discipline

Job description

Area Sales Manager - Retail MFB - Sales - Srikakulam - Palakonda 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