Area Sales Manager - Tractor Loans

SkillLabs; Ratlam; On-site; INR 600,000 - 900,000; Full time

Job summary

SkillLabs in India is seeking a dynamic sales leader to drive tractor financing, build a dealer network, and manage a field sales team. You will promote loan products to farmers, explain terms, and assist with documentation while coordinating with credit for approvals.

The role requires 3–8 years in tractor finance or rural lending, strong negotiation skills, and deep market knowledge to grow market share in the Madhya Pradesh region.

Qualifications

• Bachelor's degree in Business, Agriculture, Commerce, Marketing, or related field.
• MBA preferred for some organizations.
• 3–8 years of experience in tractor finance, vehicle loans, rural lending, agri-finance, or banking sales.

Responsibilities

• Achieve monthly and annual tractor loan disbursement targets.
• Identify new business opportunities in rural and agricultural markets.
• Generate leads through tractor dealers, manufacturers, and direct customer interactions.
• Increase market share in the assigned area.
• Develop and maintain relationships with tractor dealers and distributors.
• Appoint and support new dealer channels where required.
• Meet farmers and rural customers to promote tractor financing products.
• Explain loan features, eligibility criteria, interest rates, and repayment options.
• Assist customers in documentation and loan application processes.
• Lead and supervise Sales Officers, Relationship Officers, or field executives.
• Set targets and monitor team performance.
• Conduct regular field visits and coaching sessions.
• Ensure productivity and discipline within the sales team.
• Coordinate with credit and risk teams for loan approvals.
• Ensure proper customer verification and KYC compliance.
• Monitor loan delinquency and collection performance.
• Support recovery efforts to maintain healthy portfolio quality.
• Track competitor activities, pricing, and financing schemes.
• Analyze local agricultural trends and tractor demand.
• Provide market feedback to senior management.
• Prepare sales reports, pipeline reports, and MIS.
• Ensure adherence to company policies and regulatory guidelines.
• Maintain accurate records of customer interactions and loan applications.

Skills

Sales and negotiation skills

Rural market knowledge

Dealer relationship management

Team leadership

Credit and lending knowledge

Communication and presentation skills

Education

Bachelor's degree in Business, Agriculture, Commerce, Marketing, or related field

MBA preferred for some organizations

Job description

Key Responsibilities

Business Development & Sales

• Achieve monthly and annual tractor loan disbursement targets.
• Identify new business opportunities in rural and agricultural markets.
• Generate leads through tractor dealers, manufacturers, and direct customer interactions.
• Increase market share in the assigned area.

2. Dealer & Channel Management

• Develop and maintain relationships with tractor dealers and distributors.
• Appoint and support new dealer channels where required.
• Conduct dealer visits and provide product training.
• Ensure smooth coordination between dealers and credit teams.

3. Customer Acquisition

• Meet farmers and rural customers to promote tractor financing products.
• Explain loan features, eligibility criteria, interest rates, and repayment options.
• Assist customers in documentation and loan application processes.

4. Team Management

• Lead and supervise Sales Officers, Relationship Officers, or field executives.
• Set targets and monitor team performance.
• Conduct regular field visits and coaching sessions.
• Ensure productivity and discipline within the sales team.

5. Credit & Portfolio Quality

• Coordinate with credit and risk teams for loan approvals.
• Ensure proper customer verification and KYC compliance.
• Monitor loan delinquency and collection performance.
• Support recovery efforts to maintain healthy portfolio quality.

6. Market Intelligence

• Track competitor activities, pricing, and financing schemes.
• Analyze local agricultural trends and tractor demand.
• Provide market feedback to senior management.

7. Reporting & Compliance

• Prepare sales reports, pipeline reports, and MIS.
• Ensure adherence to company policies and regulatory guidelines.
• Maintain accurate records of customer interactions and loan applications.

Required Qualifications

• Bachelor's degree in Business, Agriculture, Commerce, Marketing, or related field.
• MBA preferred for some organizations.
• 3–8 years of experience in tractor finance, vehicle loans, rural lending, agri-finance, or banking sales.

Key Skills

• Sales and negotiation skills
• Rural market knowledge
• Dealer relationship management
• Team leadership
• Credit and lending knowledge
• Communication and presentation skills