RSM - Unsecured Self-employed - Vijayawada

Aditya Birla Capital; Andhra Pradesh; On-site; INR 1,200,000 - 2,000,000; Full time

Job summary

Aditya Birla Capital is seeking a Regional Sales Manager to drive unsecured self-employed loan业务 through a DSA network in Vijayawada and surrounding Andhra Pradesh. You will lead a team of sales professionals, build and expand the DSA base, and ensure quality sourcing and portfolio health.

The role requires strong leadership, market knowledge of Andhra Pradesh, and a proven track record in achieving aggressive sales targets and channel expansion.

Qualifications

• 8–15 years of experience in Unsecured Loans, Business Loans, LAP, Personal Loans, MSME Loans, or Self-Employed Lending.
• Strong experience in managing DSA-driven business models.
• Proven track record in leading multi-location sales teams and achieving aggressive business targets.
• Strong market knowledge of Andhra Pradesh, particularly Vijayawada and surrounding regions.
• Excellent relationship management, negotiation, and team leadership skills.

Responsibilities

• Drive unsecured self-employed loan business across Vijayawada and the Andhra Pradesh region through DSA channels.
• Build, manage, and strengthen relationships with DSAs and onboard new DSAs to expand market reach.
• Lead a team of Area Sales Managers, Sales Managers, and field sales teams to achieve regional targets.
• Develop market penetration strategies to increase sourcing of self-employed loan customers (traders, professionals, MSMEs).
• Monitor DSA productivity, volumes, login-to-disbursement ratios, and portfolio quality.

Skills

DSA Channel Management

Unsecured Self-Employed Loans

Business Loan Sales

Team Handling & Leadership

Business Development

Market Expansion

Credit & Risk Understanding

Portfolio Management

Stakeholder Management

Sales Planning & Execution

Education

Graduate/Postgraduate in any discipline

Job description

Job Description – Regional Sales Manager (Unsecured Self-Employed Loans)

Location: Vijayawada, Andhra Pradesh

Role Purpose

The Regional Sales Manager (RSM) will be responsible for driving Unsecured Self-Employed Loan business across the assigned region through a robust Direct Selling Agent (DSA) network. The role involves business development, channel expansion, team management, portfolio growth, and ensuring achievement of sales and productivity targets.

Key Responsibilities

• Drive unsecured self-employed loan business across Vijayawada and the assigned Andhra Pradesh region through DSA channels.
• Build, manage, and strengthen relationships with existing DSAs while onboarding new productive DSAs to expand market reach.
• Lead and manage a team of Area Sales Managers, Sales Managers, and field sales teams to achieve regional business targets.
• Develop market penetration strategies to increase sourcing of self-employed loan customers including traders, professionals, MSMEs, and business owners.
• Monitor DSA productivity, business volumes, login-to-disbursement ratios, and portfolio quality.
• Ensure quality sourcing by maintaining adherence to credit, compliance, KYC, and regulatory guidelines.
• Conduct regular DSA engagement programs, training sessions, and performance reviews to improve productivity and retention.
• Coordinate closely with Credit, Operations, Legal, and Risk teams to ensure seamless processing and faster turnaround times.
• Analyze regional market trends, competitor activities, and customer needs to identify new business opportunities.
• Drive achievement of key business metrics including disbursement targets, revenue generation, market share growth, and portfolio profitability.
• Track and control delinquency indicators by ensuring sourcing of quality customers and maintaining portfolio health.
• Submit periodic business reviews, sales forecasts, DSA performance reports, and regional business updates to senior management.

Desired Candidate Profile

• Graduate/Postgraduate in any discipline.
• 8–15 years of experience in Unsecured Loans, Business Loans, LAP, Personal Loans, MSME Loans, or Self-Employed Lending.
• Strong experience in managing DSA-driven business models.
• Proven track record in leading multi-location sales teams and achieving aggressive business targets.
• Strong market knowledge of Andhra Pradesh, particularly Vijayawada and surrounding regions.
• Excellent relationship management, negotiation, and team leadership skills.

Key Skills

• DSA Channel Management
• Unsecured Self-Employed Loans
• Business Loan Sales
• Team Handling & Leadership
• Business Development
• Market Expansion
• Credit & Risk Understanding
• Portfolio Management
• Stakeholder Management
• Sales Planning & Execution

Reporting To: Zonal Sales Head

Team Handling: Area Sales Managers, Sales Managers, and DSA Network across the assigned region.