Area Sales Manager

Website: incred.com
Job details:

Job Title:

Area Sales Manager (ASM)

Location: Jharkhand

Department: Sales – Business Loan & Personal Loan

Company: InCred Finance

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Job Purpose:

To drive business growth and manage sales operations for Business Loans and Personal Loans across Jharkhand by leading a team, expanding DSA/channel network, and ensuring achievement of disbursement targets.

Key Responsibilities:

1. Business Development

• Drive sourcing of Business Loans & Personal Loans through DSAs, connectors, and direct channels

• Achieve monthly/quarterly disbursement targets

• Identify new business opportunities and expand market penetration in Jharkhand

2. Channel Management (DSA/Connector Network)

• Recruit, onboard, and activate new DSAs and channel partners

• Maintain strong relationships with existing partners

• Ensure productivity and quality sourcing from all partners

3. Team Management

• Hire, train, and manage Sales Executives/Relationship Managers

• Set performance targets and monitor daily activities

• Motivate team to achieve business goals

4. Credit & Process Coordination

• Coordinate with credit and operations team for faster file processing

• Ensure proper documentation and adherence to company policies

• Maintain portfolio quality and reduce delinquency

5. Market Intelligence

• Track competitor activities, pricing, and schemes

• Provide feedback to management for product improvement

• Identify high-potential locations within Jharkhand

6. MIS & Reporting

• Maintain daily/weekly/monthly sales reports

• Track pipeline, login-to-disbursement ratio

• Ensure data accuracy in CRM systems

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Key Requirements:

• Experience: 3–7 years in Business Loan / Personal Loan sales

• Preferred Background: NBFC / Banking / Fintech

• Strong network of DSAs in Jharkhand is highly preferred

• Proven track record of achieving sales targets

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Skills Required:

• Leadership & Team Handling

• Strong Sales & Negotiation Skills

• Channel Development Expertise

• Market Knowledge of Jharkhand region

• Good communication & relationship management

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Education:

• Graduate (MBA preferred but not mandatory)

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KPIs (Performance Metrics):

• Disbursement volume

• Number of active DSAs

• Login-to-disbursement ratio

• Portfolio quality (NPAs)

• Team productivity

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Additional Notes:

• Candidate should be open to travel across Jharkhand

• Local market understanding is a must.

Connect: 9179555701 / ayush.malviya@incred.com

Click on Apply to know more.