Group Company: AU Small Finance Bank Limited
Designation: Area Sales Manager - Unsecured Loans
Office Location:
Position description: #*Position description*#
Primary Responsibilities: #*Primary Responsibilities*#
Additional Responsibilities: #*Additional Responsibilities*#
Reporting Team
- Reporting Designation: #*Reporting Designation*#
- Reporting Department: #*Reporting Department*#
Educational qualifications preferred
#*Education and Experience*#
- Category: #*Category*#
- Field specialization: #*Field specialization*#
- Degree: #*Degree*#
- Academic score: #*Academic score*#
- Institution tier: #*Institution tier*#
Required Certification/s: #*Required Certification/s*#
Required Training/s: #*Required Training/s*#
Required work experience
- Industry: #*Industry*#
- Role: #*Role*#
- Years of experience: #*Years of experience*#
Job Brief:- We are seeking a dynamic and results-driven professional to lead and expand our unsecured loans portfolio within a designated geographic area at AU Small Finance Bank Limited. This role demands a strategic thinker with deep expertise in financial services sales, particularly in unsecured lending products. The successful candidate will be responsible for driving business growth, managing key client relationships, and ensuring compliance with regulatory standards while aligning with the bank's mission to provide inclusive financial solutions. This position requires a proactive leader capable of mentoring sales teams, analyzing market trends, and executing targeted sales strategies to achieve ambitious revenue targets in a competitive market.
Responsibilities:-
- Develop and implement comprehensive sales strategies to increase the market share of unsecured loan products within the assigned territory.
- Lead, mentor, and manage a team of sales executives to achieve individual and team sales targets while fostering a high-performance culture.
- Identify and cultivate relationships with key clients, including individuals, small businesses, and channel partners, to drive loan disbursement growth.
- Conduct detailed market analysis to identify emerging opportunities, competitive threats, and customer needs specific to unsecured lending.
- Collaborate with credit and risk management teams to ensure adherence to lending policies and regulatory compliance.
- Monitor and report on sales performance metrics, providing actionable insights to senior management for strategic decision-making.
- Coordinate with marketing and product development teams to tailor unsecured loan offerings that meet regional customer demands.
- Ensure timely resolution of customer queries and grievances to maintain high levels of customer satisfaction and retention.
- Manage budgeting and forecasting for the sales area, optimizing resource allocation to maximize profitability.
- Stay updated with industry trends, regulatory changes, and technological advancements impacting unsecured loan products.
Skill:-
- Unsecured Loan Sales Management
- Territory Sales Planning
- Client Relationship Management
- Financial Market Analysis
- Regulatory Compliance in Lending
- Team Leadership and Development
- Sales Forecasting and Budgeting
- Negotiation and Closing Skills
- Customer Service Excellence
- Cross-functional Collaboration
- Data-driven Decision Making
- Risk Assessment and Mitigation
Preferred Qualifications:-
- Bachelor’s degree in Business Administration, Finance, or a related field; MBA or equivalent postgraduate qualification preferred.
- Minimum of 5-7 years of progressive experience in sales within the financial services sector, with a strong focus on unsecured lending products.
Key Performance Indicators: #*Key Performance Indicators*#
Required Competencies: #*Required Competencies*#
Required Knowledge: #*Required Knowledge*#
Required Skills: #*Required Skills*#
Required abilities
- Physical: #*Physical*#
- Other: #*Other*#
Work Environment Details: #*Work Environment Details*#
Specific requirements
- Travel: #*Travel*#
- Vehicle: #*Vehicle*#
- Work Permit: #*Work Permit*#
Other details
- Pay Rate: #*Pay Rate*#
- Contract Types: #*Contract Types*#
- Time Constraints: #*Time Constraints*#
- Compliance Related: #*Compliance Related*#
- Union Affiliation: #*Union Affiliation*#