Area Sales Manager - SME/MSME Programs

Muthoot Fincorp Limited; Puducherry; On-site; INR 450,000 - 750,000; Full time

Job summary

Muthoot Fincorp Limited is seeking a dynamic professional to drive sales and build a customer base in the Supply Chain Finance vertical for SME/MSME clients in India. The role involves onboarding distributors, negotiating terms, and expanding regional reach.

The ideal candidate has 3–6 years in BFSI SME relationships, strong numerical and financial analysis skills, and excellent communication. Willingness to travel and fluency in English/Hindi or regional languages are required.

Qualifications

• Graduate or postgraduate with 3-6 years of experience in managing SME / MSME relationships in BFSI domain.
• Flair for Sales.
• Sound understanding of finance & financials.
• Good with numbers, insights and be able to analyse balance sheets and P&L.
• Extremely self-driven & hardworking with the ability to lead team.
• Excellent communication skills and man-to-man sales skills.
• Can work in high-pressure situations and is completely hands-on; has the knack to hustle and get the job done.
• Having the ability to interact with promoters / CXOs of SMEs and glean information through physical discussions.
• Flexible to travel around and fluent in English, Hindi, or other regional languages.

Responsibilities

• Starting sales and developing business in the targeted cluster by establishing and building a customer base in Supply Chain Finance vertical.
• Source and onboard distributors / wholesalers / manufacturers and evaluate product fit, define end-to-end journey and negotiate terms.
• Manage and drive onboarding of traders referred under the SCF programs.
• Expand strategic and opportunistic locations in the region for the SCF programs.
• Formulate strategies to ensure wide adoption of our products across the SME world.
• Maintain relationships with anchor's regional & central SPOCs.
• Improve portfolio performance through monitoring and recommending course corrections.
• Increase SME/MSME wallet share by cross-selling multiple products and credit services.
• Recommend process and policy improvements to drive efficiency and service quality.

Skills

Sales

Relationship management

Financial analysis

Communication skills

Team leadership

Education

Graduate or Postgraduate in relevant field

Job description

Key Responsibilities

• Starting sales and developing business in the targeted cluster by establishing and building a customer base in Supply Chain Finance vertical.
• Responsible to source and on-board distributors / wholesalers / manufacturer and understand client offerings, evaluate product fit, define end to end journey and work on commercial negotiations to finalize the program terms.
• To manage and drive onboarding of traders referred under the SCF programs.
• Expanding strategic and opportunistic locations in the region for the SCF programs.
• Formulate strategies to ensure wide adoption of our products across the SME world.
• To maintain good relationships with the anchor's regional & central SPOCs.
• Improve the performance & quality of portfolio through regular monitoring and providing recommendations for course correction to the Product.
• Increasing the share of the SME/MSME wallet – onboarding the customer across multiple products, credit services, etc.
• Recommend improvements to processes and policies across the SCF business to drive operational efficiencies and high-quality customer service.

Desired Skills and Experience

• Graduate or postgraduate with 3-6 years of experience in managing SME / MSME relationships in BFSI domain.
• Flair for Sales.
• Sound understanding of finance & financials.
• Good with numbers, Insights and be able to analyse balance sheets and P&L.
• Extremely self-driven & hardworking with the ability to lead team.
• Excellent communication skills and man-to-man sales skills.
• Can work in high-pressure situations and is completely hands‑on; has the knack to hustle and get the job done.
• Having the ability to interact with promoters / CXOs of SMEs and glean information through physical discussions.
• Flexible to travel around and fluent in English, Hindi, or other regional languages.