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Area Sales Manager - Micro Finance

3-7 years

Bhubaneswar

1 vacancy

Area Sales Manager - Micro Finance

Tata Capital

posted 5mon ago

Job Role Insights

Flexible timing

Job Description

  • 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
  • rs exp + Experience working in a NBFC, NBFC MFI, SFB or Bank
  • At least
  • 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


Employment Type: Full Time, Permanent

Read full job description

Tata Capital Interview Questions & Tips

Prepare for Tata Capital Area Sales Manager roles with real interview advice

Top Tata Capital Area Sales Manager Interview Questions

Q1. How many Files do you handle per month and what is average TAT
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What people at Tata Capital are saying

3.6
 Rating based on 32 Area Sales Manager reviews

Likes

Flexible policy

  • Salary - Good
Dislikes

No work life balance Long working hours No training Centralised authority only High cost product above then compitition

  • Skill development - Poor
  • +4 more
Read 32 Area Sales Manager reviews

Area Sales Manager salary at Tata Capital

reported by 124 employees with 8-18 years exp.
₹5.7 L/yr - ₹22 L/yr
40% more than the average Area Sales Manager Salary in India
View more details

What Tata Capital employees are saying about work life

based on 2.6k employees
58%
50%
50%
98%
Flexible timing
Monday to Saturday
Within city
Day Shift
View more insights

Tata Capital Benefits

Submitted by Company
Job Training
Health Insurance
Soft Skill Training
Work From Home
Submitted by Employees
Health Insurance
Job Training
Soft Skill Training
Work From Home
Cafeteria
Free Transport +6 more
View more benefits

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