ASM - Retail Unsecured BL_ HYD

Aditya Birla Capital; Telangana; Hybrid; INR 1,200,000 - 1,800,000; Full time

Job summary

Aditya Birla Capital is seeking an Area Sales Manager for Retail Unsecured Business Loans in Hyderabad. You will lead a team of Sales Managers, expand the DSA network, and drive sourcing quality while delivering consistent growth and maintaining portfolio health.

The role covers channel management, credit coordination, market intelligence, and regular MIS reporting. Hybrid work arrangement is expected with strong emphasis on achieving sales targets.

Qualifications

• Knowledge of retail unsecured business loans and lending processes.
• Experience in managing sales teams and channel partners (DSAs).
• Familiarity with credit policies and risk controls.

Responsibilities

• Drive monthly/quarterly targets for unsecured business loans in the Hyderabad area.
• Lead and coach a team of Sales Managers; monitor funnel and closures.
• Build and manage DSA partnerships; ensure sourcing quality and timely payout.

Skills

Retail unsecured loans knowledge

Team handling

DSA/channel management

Credit assessment & risk

Negotiation & relationship mgmt

Target-driven performance

MS Excel & CRM tools

Interpersonal communication

Education

Graduate/MBA

Tools

MS Excel

CRM tools

Sales MIS

Job description

Job Description: Area Sales Manager – Retail Unsecured Business Loans

Location: Hyderabad

Role Type: Team Management | Individual Contributor (Hybrid)

Business Unit: Retail Unsecured Loans

Role Summary

The Area Sales Manager (ASM) will be responsible for driving business volumes for Retail Unsecured Business Loans across assigned Hyderabad territory. This role includes managing a team of Sales Managers (SMs), expanding the DSA network, ensuring high?quality sourcing, and delivering consistent business growth while maintaining portfolio quality.

Key Responsibilities

1. Sales & Business Development

• Achieve monthly and quarterly sales targets for unsecured business loans in the retail segment.
• Drive lead generation through DSAs, channel partners, and internal references.
• Identify and onboard new DSAs; strengthen relationships with existing partners.
• Develop and execute area-wise sales strategies to enhance penetration.

2. Team Management

• Manage a team of Sales Managers (SMs) and ensure productivity through regular reviews and field coaching.
• Set clear performance objectives, track KPIs, and implement corrective actions when required.
• Conduct daily/weekly meetings to review funnel, lead status, and closures.
• Train the team on product knowledge, credit policies, and system processes.

3. Channel & DSA Handling

• Build strong relationships with DSAs to ensure consistent sourcing.
• Monitor DSA performance, payout structures, documentation quality, and TAT adherence.
• Conduct periodic visits and engagements for motivation and performance management.

4. Credit & Risk Coordination

• Work closely with credit and operations for file processing, eligibility checks, and quick TAT.
• Ensure compliance with underwriting guidelines and maintain healthy portfolio quality.
• Identify and eliminate fraud/negative profiles at the sourcing stage.

5. Market Intelligence

• Gather competitor insights on pricing, product, and market movements.
• Identify new micro-markets, segments, and business opportunities.
• Share market feedback with product and leadership teams.

6. Reporting & MIS

• Maintain accurate sales reports, daily activity trackers, DSA performance sheets, and funnel MIS.
• Present weekly and monthly performance updates to senior leadership.

Key Skills & Competencies

• Strong knowledge of retail unsecured business loans
• Excellent team handling and mentoring capability
• Strong DSA/channel management skills
• Good understanding of credit assessment, financials, and risk filters
• Result-oriented mindset with strong negotiation & relationship management
• Ability to work in a fast-paced, target-driven environment
• Proficient in MS Excel, CRM tools, and sales MIS
• Strong communication and interpersonal skills

Qualifications & Experience

• Graduate/MBA preferred
• 5–10 years of experience in retail unsecured business loans
• Minimum 2–3 years in a team-handling role
• Experience working with DSAs, NBFCs, or banks