Territory Sales Manager

Chola; Puducherry; On-site; INR 600,000 - 900,000; Full time

Job summary

Cholamandalam Investment and Finance Company Ltd. invites applications for a Territory Sales Manager in Consumer Durables Finance. The role focuses on acquiring and nurturing dealer relationships, driving loan sourcing, and ensuring portfolio quality within the assigned territory.

The candidate should have 3–8 years in consumer durables or related sales; graduates with MBA/PGDM preferred. Strong negotiation, communication, and MS Office skills are essential.

Qualifications

• Graduate in any discipline.
• MBA/PGDM preferred.
• Experience in Consumer Durables Finance or related sales roles.

Responsibilities

• Achieve sales targets for Consumer Durables finance in assigned territory.
• Onboard and manage dealer partners & retail outlets.
• Drive loan sourcing through dealer network and field activities.
• Coordinate with credit, operations and collections teams.
• Prepare and submit sales reports and track KPIs.
• Monitor portfolio quality and delinquency indicators.

Skills

Sales skills

Negotiation

Dealer & channel mgmt

Market development

Analytical thinking

Communication

Retail lending knowledge

MS Office & reporting

Education

Graduate in any discipline

MBA/PGDM preferred

Tools

MS Office & sales reporting tools

Job description

Job Description: Territory Sales Manager (TSM) Consumer Durables (CD) Business

Cholamandalam Investment and Finance Company Ltd.

Job Title

Territory Sales Manager (TSM) Consumer Durables Finance

Reporting To

Area Sales Manager / Regional Sales Manager

Location

Assigned Territory

Job Purpose

To drive business growth in the assigned territory by acquiring and managing dealer relationships, generating Consumer Durables loan business, ensuring portfolio quality, and achieving sales targets while delivering excellent customer service.

Key Responsibilities

Business Development

• Achieve monthly, quarterly, and annual business targets for Consumer Durables finance.
• Identify and onboard new dealer partners and retail outlets within the allocated territory.
• Increase market penetration and improve business volumes through existing and new channels.
• Conduct market mapping and competitor analysis to identify growth opportunities.

Dealer Relationship Management

• Develop and maintain strong relationships with dealers, distributors, and channel partners.
• Ensure high dealer engagement and productivity.
• Resolve dealer concerns and provide timely support to enhance business performance.

Sales & Portfolio Management

• Drive loan sourcing through dealer network and field activities.
• Monitor application conversions and disbursement performance.
• Ensure healthy portfolio growth with focus on asset quality.
• Track delinquency levels and coordinate with collection teams to minimize overdue accounts.

Team Coordination

• Coordinate with credit, operations, collections, and sales support teams for seamless customer onboarding and loan processing.
• Support field executives and dealer coordinators to achieve business objectives.

Compliance & Process Adherence

• Ensure adherence to company policies, regulatory requirements, and KYC norms.
• Maintain proper documentation and audit compliance.
• Ensure fraud prevention and risk control measures are followed.

MIS & Reporting

• Prepare and submit daily, weekly, and monthly sales reports.
• Monitor key performance indicators and take corrective actions where required.
• Maintain accurate records of dealer activities and business performance.

Key Performance Indicators (KPIs)

• Business volume achievement.
• Dealer acquisition and activation.
• Market share growth in assigned territory.
• Loan disbursement achievement.
• Portfolio quality and delinquency control.
• Dealer productivity and engagement.
• Customer acquisition and retention.

Educational Qualification

• Graduate in any discipline.
• MBA/PGDM preferred.

Experience

• 3 to 8 years of experience in Consumer Durables Finance, Retail Finance, NBFC, Banking, or related sales functions.
• Experience in channel sales and dealer management preferred.

Skills Required

• Strong sales and negotiation skills.
• Dealer and channel management expertise.
• Market development and business acquisition capabilities.
• Analytical and problem-solving skills.
• Good communication and interpersonal skills.
• Knowledge of retail lending products and processes.
• Proficiency in MS Office and sales reporting tools.

Competencies

• Result orientation.
• Customer focus.
• Relationship management.
• Team collaboration.
• Ownership and accountability.
• Ability to work under pressure and achieve targets.

Preferred Industry Background

Consumer Durables Finance, Retail Assets, NBFC, Banking, Consumer Electronics, Mobile Finance, or Distribution-led Sales.