RSM - Unsecured Self-employed - Vijayawada

Birla Carbon; NTR; On-site; INR 1,200,000 - 2,400,000; Full time

Job summary

Birla Carbon is seeking a Regional Sales Manager (Unsecured Self-Employed Loans) to drive the lending business in Vijayawada and surrounding regions. The role involves building a DSA network, leading regional sales teams, and expanding market reach for self-employed borrowing solutions.

You will coordinate with Credit, Operations, Legal, and Risk teams to ensure compliant processing, achieve targets, and deliver portfolio growth.

Qualifications

• Graduate or Postgraduate in any discipline.
• 8–15 years of experience in unsecured loans, business loans, LAP, personal loans, MSME loans or self-employed lending.
• Proven track record in leading multi-location sales teams and achieving aggressive targets.
• Strong knowledge of Andhra Pradesh, especially Vijayawada and surroundings.

Responsibilities

• Drive unsecured self-employed loan business across Vijayawada and the Andhra Pradesh region through DSA channels.
• Lead and manage 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.
• Monitor DSA productivity and portfolio quality while ensuring regulatory compliance (KYC/credit).
• Coordinate with Credit, Operations, Legal, and Risk teams for faster processing.

Skills

Unsecured Self-Employed Loans

Business Loan Sales

Business Development

Market Expansion

Stakeholder Management

Education

Graduate or Postgraduate

Job description

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

RSM - Unsecured Self-employed - Vijayawada

Designation : Manager

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

• Unsecured Self-Employed Loans
• Business Loan Sales
• Business Development
• Market Expansion
• Stakeholder Management

Reporting To: Zonal Sales Head
Team Handling: Area Sales Managers, Sales Managers, and DSA Network across the assigned region.