Area Sales Manager - Retail MFB - Sales - Ganjam - Bhanjanagar - JM

Tata Capital; Ganjam; On-site; INR 700,000 - 1,200,000; Full time

Job summary

Tata Capital is seeking a dynamic leader to head a sales team focused on expanding the Business Correspondent network across Odisha and adjacent regions. The role involves building partnerships with banks and non-banking financial institutions to offer diverse financial products through channel partners.

The candidate should have a minimum of five years in NBFC/banking sectors with at least two years in leadership, and familiarity with BC/JLG models. A PG/UG degree is required.

Qualifications

• Min 5 years of exp in NBFC/Banking environment.
• At least 2 years in a team leadership role.
• Familiar with business correspondent model and direct lending initiatives.
• Experience handling BC & JLG businesses.

Responsibilities

• Lead a sales team of sales officers and field staff to grow the BC network.
• Forge partnerships with banks, NBFCs, NBFC-MFIs, and payment banks for channel partners.
• Develop and expand business correspondence alliances across regions.
• Formulate and execute regional sales strategies to increase market share.
• Oversee recruitment, training, and performance across assigned areas.
• Ensure compliance, risk controls, and portfolio quality within region.

Skills

Relationship management

Business sourcing

Portfolio management

Credit underwriting

Legal & governance

Technology & automation

Education

Post Graduate/ Graduate in any discipline

Job description

Job Description:

10036

• 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

Requirements: