Area Sales Manager - Retail MFB - Sales - Madurai - Thiruparankundram - JM

Tata Capital; Madurai District; On-site; INR 600,000 - 1,200,000; Full time

Job summary

Tata Capital in Madurai, Tamil Nadu is seeking a results-driven Microfinance Branch Leader to drive growth by identifying new locations, building a sales team, and achieving targets.

You will recruit and coach loan officers and branch managers, ensure portfolio quality, manage collections, and ensure compliance across branches, with a focus on expanding geographic reach. The role requires hands-on field presence and strong market development skills.

Qualifications

• Lead a sales team to achieve targets and drive microfinance growth.
• Assess potential client base and product acceptability in new regions.
• Recruit, train and motivate teams across territories for market expansion.
• Ensure repayment, collections and delinquency management with portfolio quality.
• Ensure compliance, audits, and HR/admin issues in the area.

Responsibilities

• Conduct field visits to onboard quality customers and evaluate branch performance.
• Drive market penetration by identifying productive branch locations.
• Maintain portfolio quality and implement innovative collection strategies.
• Oversee 4-6 branches within the area and ensure adherence to processes.

Skills

Team leadership

Sales management

Field sales

Portfolio management

Education

Post Graduate/ Graduate in any discipline

Job description

Job Description:

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