Area Sales Manager - Retail Unsecured Salaried

Birla Carbon; Hubli; On-site; INR 800,000 - 1,200,000; Full time

Job summary

Birla Carbon is looking for an Area Sales Manager in Hubli to strengthen relationships and achieve sales targets in the Unsecured Business segment. This role involves driving new account acquisition and channel expansion while managing the DSA network.

The ideal candidate should have a strong background in sales, with 4-6 years of experience in unsecured lending, possess excellent communication skills, and a deep understanding of business operations.

Qualifications

• 4–6 years of total sales experience or 6–8 years including recent unsecured lending experience.
• Proven ability to build relationships and drive sales growth.

Responsibilities

• Achieve sales targets through strong DSA relationships.
• Drive channel expansion and new client acquisition.
• Analyze sales operations and communicate metrics.

Skills

Execution excellence

Strong communication

Business acumen

Product understanding

Education

Postgraduate with 4–6 years sales experience

Graduate with 6–8 years sales experience

Job description

Area Sales Manager – Retail Unsecured Salaried

Business: Aditya Birla Finance Ltd

Unit: Aditya Birla Finance Ltd

Location: Multiple Locations

Department: BGFPSL-Personal Loan / Personal Loan

Date of JD update: 05th May 2022

Job Purpose

The purpose of this job is to deliver on area/local strategy for the Unsecured Business segment by strengthening existing relationships, establishing new channels, and achieving sales targets and operational plans. The manager will proactively address customer and DSA issues, eliminate bottlenecks, grow business penetration through partnering, negotiating, and building relationships with the DSA network, and take ownership of end‑to‑end unsecured business transactions within the assigned area.

Key Responsibilities

• Deliver on sales targets by building strong relationships within the DSA network and influencing DSA outcomes.
• Identify and execute sales growth opportunities at the local/area level, driving channel expansion and new account acquisition.
• Segment the market and generate business from direct clients through customised loan structures that meet client needs and create margins.
• Maintain regular meetings and sales calls with prospective clients to source business.
• Augment sales volumes of unsecured lending, manage channel databases, and ensure a healthy sales pipeline.
• Improve turnaround times through effective loan sanctioning and strengthen relationships with internal stakeholders.
• Track and report on sales operations, productivity metrics, and build a high‑performance sales culture.
• Adopt prescribed process improvements to enhance operational productivity.
• Analyze and communicate operational information to leaders on disbursements, profits, NPAs, and new initiatives.

Key Result Areas (KRAs)

• Sales volume and value (IRR) – achieve and exceed set targets.
• Service level agreement adherence, sales efficiencies, and return on investment.
• Process improvement initiatives and best practice adoption.

Enabling Skill Sets & Qualifications

• Execution excellence; business and commercial acumen; strong product understanding.
• Strong communication and influencing skills.

Education & Experience: Postgraduate with 4–6 years total sales experience, or graduate with 6–8 years total sales experience, including at least 2–3 years recent experience in unsecured lending.

Relationships

Internal: ZSM/ASM – Unsecured (daily/need‑based) – business MIS review, client escalations, performance reviews.

External: Existing and prospective customers (daily/need‑based) – CRM use, product and business development initiatives.