Area Sales Manager - Micro Finance Business - Gorakhpur - Pralhad Rai Trade Centre - JM
Tata Capital · Gorakhpur
- Leading a sales team of Sales Officer / field staffs to augment the Business Correspondent (BC) network of various financial institution & Direct channel business.
- Build strategic partnerships with Universal Banks, NBFCs, NBFC-MFIs, Payment Banks, Small Finance Banks to provide an array of financial products and services for the channel partners.
- Business development & expansion on business correspondence alliance partners
- Innovate & develop retail asset products e.g. JLG Loans, Secured & Unsecured MSME Loans to suit the target customers and geographies.
- Sales strategies to improve market share and Identification of business potential areas / districts for expansion of region
- Enabling business growth by developing and managing a teams across assigned territories for deeper market penetration and reach.
- Assess potential client base and product acceptability in new regions, areas & opportunities for geographical expansion of operational areas and setting up new business correspondence alliance partners
- Ensure business growth and diversity of products in the region as per business plan
- Create a support function structure in line with the product requirement to facilitate the appraisal, documentation, disbursement, repayment and delinquency management
- Formulating collection strategy of your region and Preventative / risk averse measure to maintain quality portfolio
- Plan / design sales contest at regional levels
- Filed visits to monitor & guide the loan officers
- Responsible for work force planning, recruitment & training, suited to handle various asset products across geographies
- Ensuring staff skill development through meetings and continuous monitoring of various clusters on regular basis by identifying training needs as per the market trends and new business opportunities
- Maintaining resource optimisation & operational cost.
- Branch identification in your respective designated areas of operation.
- Responsible for handling all Compliance, Audit, Legal, Customer Service, Operations, Logistics, Admin, HR etc related issues in your region.
- Implementing best business practices and developing company strategies and programs while ensuring strict compliance and integrity.
- Min 5yrs exp + Experience working in a NBFC, NBFC MFI, SFB or Bank
- At least 2 years in a team handling and leadership role.
- Must be familiar about business correspondent model working with top lending institutions & direct lending business.
- Must have handle BC & JLG business.
Key Skills
- Relationship management, Business sourcing & portfolio management,
- Well versed with understanding of credit underwriting,
- Understand critical attributes of legal and governance requirements,
- Good acumen of technology and automation,
Business planning and product management
Education: Post Graduate/ Graduate in any discipline
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