Area Sales Manager - Tractor Loans

SkillLabs; Ratlam; On-site; INR 800,000 - 1,200,000; Full time

Job summary

SkillLabs in India is expanding tractor financing sales across rural markets, building strong dealer channels and direct customer engagement. The role targets loan disbursement growth and market share in the assigned area.

You will lead field teams, coordinate with credit and risk teams, and drive disciplined execution. MBA is preferred for some organizations; 3–8 years of relevant experience is 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.

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.
• Lead and supervise Sales Officers, Relationship Officers, or field executives; set targets.
• Conduct regular field visits and coaching sessions; ensure productivity and discipline.
• 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.
• Provide market feedback to senior management.

Skills

Dealer & Channel Management

Sales Leadership

Field Sales

Customer Acquisition

Financial Services Sales

Education

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

Job description

• 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.
• 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.
• 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.