Job Description

Job Title: Area Sales Manager (ASM) - Loan Against Property (LAP) - DSA ChannelLocation: Rajkot, Gujarat, IndiaReporting To: Regional Sales Manager/Zonal HeadExperience: Minimum 5-8 years of experience in retail asset sales, with a significant focus on Loan Against Property (LAP) through the DSA channel, including at least 2 years in a team handling role.Job Overview:We are seeking a highly motivated and results-driven Area Sales Manager (ASM) to spearhead our Loan Against Property (LAP) sales efforts in Rajkot, primarily focusing on the Direct Selling Agent (DSA) channel. The ASM will be responsible for driving business growth, managing a team of Sales Managers (SMs), and ensuring the achievement of sales targets for LAP products with ticket sizes ranging from INR 1 Crore to INR 10 Crores. The ideal candidate will possess strong local market knowledge of Rajkot, a robust network within the DSA community, effective team management skills, and a proven track record of consistently meeting or exceeding sales objectives.Key Responsibilities:Sales Target Achievement:- Achieve and exceed assigned sales targets for Loan Against Property (LAP) products with ticket sizes of INR 1 Crore to INR 10 Crores through the DSA channel in the Rajkot area.- Monitor and analyze daily/weekly/monthly sales performance, implementing proactive strategies to ensure targets are met.- Drive consistent lead generation, successful conversion of applications, and timely loan disbursals.DSA Channel Management & Expansion:- Identify, onboard, and develop a strong and productive network of Direct Selling Agents (DSAs) in Rajkot and surrounding areas.- Cultivate and maintain excellent, long-term relationships with existing DSA partners, providing them with continuous support, product updates, and training.- Regularly engage with DSAs to understand market dynamics, address challenges, and motivate them to maximize business volumes.- Ensure DSAs are fully compliant with all company policies, processes, and regulatory guidelines.Team Leadership & Development:- Lead, mentor, and motivate a team of Sales Managers (SMs) and potentially Sales Executives under your guidance.- Set clear individual and team sales objectives, conducting regular performance reviews and providing constructive feedback.- Identify training and development needs for team members to enhance their product knowledge, sales skills, and market effectiveness.- Foster a positive, high-performance, and collaborative work culture within the sales team.Market Analysis & Business Development:- Stay informed about local real estate trends, competitor activities, and customer financial needs specific to the Rajkot market.- Identify new business opportunities and devise effective strategies to expand market share and penetrate untapped segments.- Collaborate with the Regional Sales Manager and marketing team to execute targeted local promotional activities and campaigns.Operational Efficiency & Compliance:- Ensure smooth and efficient coordination with internal departments such as Credit, Operations, and Legal to facilitate quick loan processing and disbursals.- Maintain high standards of ethical conduct and ensure strict adherence to all company policies, procedures, and regulatory requirements throughout the sales process.- Monitor the quality of sourced applications to minimize rejections, improve turnaround times (TAT), and optimize login to disbursal ratios.Reporting & Communication:- Prepare and submit accurate and timely sales reports, forecasts, and performance analyses to the Regional Sales Manager.- Provide valuable insights and recommendations based on sales data, market intelligence, and team performance.Qualifications & Skills:- Education: Bachelor's degree in Business Administration, Finance, Marketing, or a related field.Experience:- Minimum of 5-8 years of progressive experience in sales roles within the retail asset financing sector (Banks/NBFCs).- At least 3-4 years of direct, hands-on experience in Loan Against Property (LAP) sales.- Proven experience (minimum 2 years) in managing and leading a team of sales professionals.- Demonstrable expertise in managing and significantly growing business through the DSA channel.Domain Knowledge:- Strong understanding of the Loan Against Property product, its lifecycle, and credit underwriting parameters.- In-depth knowledge of the Rajkot real estate market, local property valuation nuances, and the DSA ecosystem.- Familiarity with financial products and services.Leadership & Management:- Proven ability to lead, motivate, and develop a sales team to achieve challenging targets.- Strong decision-making and problem-solving skills with a proactive approach.- Ability to delegate effectively and drive accountability.Sales & Interpersonal Skills:- Excellent negotiation, persuasion, and closing skills.- Strong verbal and written communication skills in English and Gujarati (essential).- Exceptional relationship-building abilities with DSAs, customers, and internal stakeholders.- Customer-centric approach with a focus on delivering excellent service.Other:- Proficiency in MS Office Suite (Word, Excel, PowerPoint) and experience with CRM software.- Ability to work independently, manage multiple priorities, and thrive in a fast-paced environment.- High level of integrity, professional ethics, and a strong sense of responsibility. 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