Area Sales Manager

Branch Sales Planning & Management

• Collaborate with the RSM to develop the branch-level sales strategy in line with market trends, competition, and organizational goals
• Manage branch performance across sourcing, productivity, governance, and channel effectiveness
• Monitor local market dynamics and competitor offerings regularly
• Provide and review MIS reports on disbursements, NPAs, profitability, and expansion metrics

Customer Acquisition & Engagement

• Identify local opportunities and drive customer acquisition to build a quality loan book
• Guide team members in complex deals and ensure customer satisfaction
• Address escalations and complaints, ensuring resolution with internal stakeholder coordination
• Implement NPS-based improvements in customer experience

Operational Effectiveness

• Streamline end-to-end customer lifecycle operations (Sourcing, Approval, Servicing, Collections)
• Collaborate with Risk, Operations, and Sales Governance teams to improve TAT and operational efficiency
• Drive performance through structured reviews, goal alignment, and training interventions

Cross-Selling Across ABC Products

• Implement cross-selling strategy aligned with regional plans
• Train and support team in identifying and executing cross-sell opportunities

Team and Internal Stakeholder Management

• Develop, coach, and support team members for improved customer engagement and business growth
• Coordinate technical/behavioral training for team and take ownership of self-development
• Foster strong cross-functional collaboration for seamless execution of business plans

Portfolio & Risk Management

• Partner with Risk and Operations teams to ensure compliance in credit approval and disbursement
• Monitor portfolio risk through data analysis, MIS, and early warning signals
• Ensure timely PDD closures, collections follow-up, and guide team on NPA management
• Maintain control over delinquency cases, especially in the institutional segment