RSM - Unsecured Self-employed - Vijayawada

Job Description – Regional Sales Manager (Unsecured Self-Employed Loans)

Location: Vijayawada, Andhra Pradesh

Role Purpose

The Regional Sales Manager (RSM) will be responsible for driving Unsecured Self-Employed Loan business across the assigned region through a robust Direct Selling Agent (DSA) network. The role involves business development, channel expansion, team management, portfolio growth, and ensuring achievement of sales and productivity targets.

Key Responsibilities

• Drive unsecured self-employed loan business across Vijayawada and the assigned Andhra Pradesh region through DSA channels.
• Build, manage, and strengthen relationships with existing DSAs while onboarding new productive DSAs to expand market reach.
• Lead and manage a team of Area Sales Managers, Sales Managers, and field sales teams to achieve regional business targets.
• Develop market penetration strategies to increase sourcing of self-employed loan customers including traders, professionals, MSMEs, and business owners.
• Monitor DSA productivity, business volumes, login-to-disbursement ratios, and portfolio quality.
• Ensure quality sourcing by maintaining adherence to credit, compliance, KYC, and regulatory guidelines.
• Conduct regular DSA engagement programs, training sessions, and performance reviews to improve productivity and retention.
• Coordinate closely with Credit, Operations, Legal, and Risk teams to ensure seamless processing and faster turnaround times.
• Analyze regional market trends, competitor activities, and customer needs to identify new business opportunities.
• Drive achievement of key business metrics including disbursement targets, revenue generation, market share growth, and portfolio profitability.
• Track and control delinquency indicators by ensuring sourcing of quality customers and maintaining portfolio health.
• Submit periodic business reviews, sales forecasts, DSA performance reports, and regional business updates to senior management.
  
  

Desired Candidate Profile

• Graduate/Postgraduate in any discipline.
• 8–15 years of experience in Unsecured Loans, Business Loans, LAP, Personal Loans, MSME Loans, or Self-Employed Lending.
• Strong experience in managing DSA-driven business models.
• Proven track record in leading multi-location sales teams and achieving aggressive business targets.
• Strong market knowledge of Andhra Pradesh, particularly Vijayawada and surrounding regions.
• Excellent relationship management, negotiation, and team leadership skills.
  
  

Key Skills

• DSA Channel Management
• Unsecured Self-Employed Loans
• Business Loan Sales
• Team Handling & Leadership
• Business Development
• Market Expansion
• Credit & Risk Understanding
• Portfolio Management
• Stakeholder Management
• Sales Planning & Execution
  
  

Reporting To: Zonal Sales Head

Team Handling: Area Sales Managers, Sales Managers, and DSA Network across the assigned region.