RSM - Unsecured Salaried - Hyd

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

Job summary

Aditya Birla Group is recruiting a Regional Sales Manager for Personal Loans in Hyderabad. You will lead a team of Area Sales Managers and build a strong DSA network to drive loan disbursements and achieve targets.

The role requires 8–12 years in Personal Loans or Retail Assets, with 3–5 years in multi-location leadership. You will work across Credit, Operations, Risk, and Collections to ensure portfolio quality and compliant sourcing.

Qualifications

• Graduate with MBA preferred.
• 8–12 years of experience in Personal Loans, Unsecured Lending, or Retail Assets.
• Minimum 3–5 years of experience in managing multi-location sales teams.
• Strong exposure to DSA channel management and business development.
• Proven track record of achieving sales targets and driving regional growth.
• Strong leadership, people management, and stakeholder management skills.
• Excellent analytical, negotiation, and communication skills.

Responsibilities

• Drive Personal Loan business growth across the assigned geography by achieving monthly, quarterly, and annual sales targets.
• Lead, mentor, and manage a team of ASMs to improve productivity and business performance.
• Develop and strengthen the DSA channel by onboarding quality DSAs and maintaining relationships.
• Monitor DSA-wise and ASM-wise performance to ensure target achievement and growth.
• Formulate regional sales strategies to increase market penetration and customer acquisition.
• Conduct regular field visits with ASMs/DSAs to identify opportunities and improve conversions.
• Ensure adherence to credit, compliance, KYC, and regulatory guidelines while sourcing business.
• Collaborate with Credit, Operations, Risk, and Collection teams for portfolio management.
• Analyze market trends and competitor activities to devise effective sales initiatives.
• Drive recruitment and training of ASMs and sales teams to enhance productivity.
• Review sales MIS, funnel management, disbursal trends, and conversion ratios.

Skills

Leadership

People management

Stakeholder management

Analytical

Negotiation

Communication

Education

Graduate

MBA

Job description

At the Aditya Birla Group, our Corporate Vision is aligned and intricately woven with our People Vision.

RSM - Unsecured Salaried - Hyd

Designation : Manager

Job Description:

Job Description – Regional Sales Manager (Personal Loans)

Job Purpose

To drive Personal Loan business across the assigned region by managing a team of Area Sales Managers (ASMs) and developing a strong Direct Selling Agent (DSA) network. The role is responsible for achieving business targets, expanding market presence, ensuring portfolio quality, and driving productivity across all sales channels.

Key Responsibilities

Drive Personal Loan business growth across the assigned geography by achieving monthly, quarterly, and annual sales targets.

Lead, mentor, and manage a team of Area Sales Managers (ASMs) to improve productivity, efficiency, and business performance.

Develop and strengthen the DSA channel by onboarding quality DSAs, maintaining strong relationships, and driving business volumes.

Monitor DSA-wise and ASM-wise performance, ensuring target achievement and sustainable business growth.

Formulate regional sales strategies to increase market penetration and customer acquisition.

Conduct regular field visits with ASMs and DSAs to identify business opportunities and improve sales conversions.

Ensure adherence to credit, compliance, KYC, and regulatory guidelines while sourcing business.

Collaborate with Credit, Operations, Risk, and Collection teams for efficient processing and portfolio management.

Analyze market trends, competitor activities, and customer requirements to devise effective sales initiatives.

Drive recruitment, training, and capability building of ASMs and sales teams to enhance overall productivity.

Review sales MIS, funnel management, disbursal trends, and conversion ratios to ensure consistent business growth.

Maintain portfolio quality by ensuring business is sourced from the right customer segments and monitoring delinquency indicators.

Build and maintain strong relationships with key DSAs, channel partners, and other stakeholders to maximize business opportunities.

Identify new geographies and expansion opportunities to increase regional market share.

Conduct periodic business reviews and implement corrective action plans to bridge performance gaps.

Key Performance Indicators (KPIs)

• Personal Loan Disbursement Achievement
• DSA Productivity and Activation
• ASM Productivity
• Customer Acquisition
• Market Share Growth
• Portfolio Quality and Delinquency Control
• Conversion Ratio
• Revenue and Profitability
• Geographic Expansion
• Team Engagement and Retention

Desired Candidate Profile

• Graduate; MBA preferred.
• 8–12 years of experience in Personal Loans, Unsecured Lending, or Retail Assets.
• Minimum 3–5 years of experience in managing multi-location sales teams.
• Strong exposure to DSA channel management and business development.
• Proven track record of achieving sales targets and driving regional growth.
• Strong leadership, people management, and stakeholder management skills.
• Excellent analytical, negotiation, and communication skills.
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