ASM MSME

Job Description – Area Sales Manager – MSME Loans
Job Title: Area Sales Manager – MSME Business: MSME Loans Industry: NBFC / Financial Services Department: Sales Location: [Gujarat] Experience: 8–10 Years Qualification: Graduate / MBA preferred
Role Overview
We are looking for an experienced and result-oriented Area Sales Manager – MSME to drive business growth across the assigned geography. The role will be responsible for achieving sales targets, expanding the MSME customer base, developing sourcing channels, managing Branch Managers and Sales Managers, and ensuring quality business generation in line with the company's credit and risk policies.
The ideal candidate should have strong experience in MSME/Business Loans, LAP, Working Capital or other secured/unsecured business lending products within an NBFC or banking environment.
Key Responsibilities
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Drive MSME loan business across the assigned area and achieve monthly, quarterly, and annual disbursement targets.
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Manage and monitor the performance of Branch Heads, Branch Managers, Sales Managers/RMs and field sales teams.
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Develop and maintain strong relationships with DSAs, connectors, channel partners, dealers, market associations and other sourcing channels.
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Identify new business opportunities and expand the company's presence across the assigned geography.
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Ensure consistent achievement of login, approval, sanction and disbursement targets.
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Monitor the sales funnel and ensure effective conversion from lead generation to disbursement.
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Drive productivity and performance through regular field visits, reviews, team huddles and performance tracking.
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Ensure sourcing of quality cases in accordance with the company's credit, risk and underwriting policies.
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Work closely with the Credit, Operations, RCU, Legal and Collections teams to ensure smooth processing and disbursement.
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Monitor portfolio quality and ensure that business growth is aligned with quality and risk parameters.
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Analyze branch and individual employee performance and take corrective actions wherever required.
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Recruit, train, coach and develop sales team members to improve productivity and business performance.
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Conduct regular market visits to understand customer requirements, competitor activity, pricing and market trends.
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Ensure adherence to all internal processes, policies, regulatory requirements and compliance guidelines.
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Prepare and present MIS, business reviews and performance dashboards to senior management.
Key Performance Indicators (KPIs)
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Monthly / Quarterly Disbursement & Business Achievement
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Login and Sanction Conversion
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New Customer Acquisition
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Branch / RM Productivity
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Sourcing Mix – Direct / DSA / Connector
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Average Ticket Size
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Portfolio Quality / Early Delinquency
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Collection & Bounce Performance
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Channel Partner Productivity
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Cost of Acquisition
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Team Attrition and Productivity
Candidate Profile
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8–10 years of experience in MSME Loans / Business Loans / LAP / SME Lending.
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Prior experience with an NBFC, Bank or Financial Services organization is preferred.
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Strong understanding of MSME lending, customer profiling, financial assessment and business sourcing.
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Proven track record of achieving sales and disbursement targets.
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Experience in managing multiple branches and a sales team.