Job Description

Job Title: Area Sales Manager (ASM) - Loan Against Property (LAP) - DSA ChannelLocation: Ahmedabad, Gujarat, IndiaReporting To: Regional Sales Manager/Zonal HeadExperience: Minimum 6-9 years of experience in retail asset sales, with a significant focus on Loan Against Property (LAP) through the DSA channel, including at least 2-3 years in a team handling role.Job Overview:We are looking for a highly motivated and results-oriented Area Sales Manager (ASM) to lead our Loan Against Property (LAP) sales initiatives in Ahmedabad, 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 market knowledge of Ahmedabad, 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 Ahmedabad area.- Monitor and analyze sales performance, implementing corrective actions as needed to ensure targets are met.- Drive lead generation, conversion, and loan disbursals consistently.DSA Channel Management:- Identify, onboard, and develop a strong network of Direct Selling Agents (DSAs) in Ahmedabad.- Build and maintain excellent relationships with DSA partners, providing them with necessary support and training.- Regularly engage with DSAs to understand their challenges, address queries, and motivate them to maximize business.- Ensure DSAs are compliant with company policies and regulatory guidelines.Team Leadership & Development:- Lead, mentor, and motivate a team of Sales Managers (SMs) under your purview.- Set clear individual and team sales objectives and monitor performance against these goals.- Conduct regular performance reviews, provide constructive feedback, and identify training needs for team members.- Foster a high-performance culture within the team, ensuring continuous skill development and morale.Market Intelligence & Business Development:- Keep abreast of market trends, competitor activities, and customer needs within the Ahmedabad LAP market.- Identify new business opportunities and devise strategies to penetrate untapped market segments.- Collaborate with the marketing team to execute local promotional activities and campaigns.Operations & Compliance:- Ensure smooth 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 adherence to all company policies, procedures, and regulatory requirements.- Monitor the quality of sourced applications to minimize rejections and improve login to disbursal ratios.Reporting & Analysis:- Prepare and submit regular sales reports, forecasts, and analysis to the Regional Sales Manager.- Analyze sales data to identify areas for improvement and implement effective strategies.Qualifications & Skills:- Education: Bachelor's degree in Business Administration, Finance, Marketing, or a related field.Experience:- Minimum 6-9 years of progressive experience in retail asset sales, specifically in the banking or NBFC sector.- At least 4-5 years of direct experience in Loan Against Property (LAP) sales.- Proven experience (2-3 years) in managing and leading a team of sales professionals.- Demonstrable experience in managing and growing business through the DSA channel.Domain Knowledge:- Strong understanding of the Loan Against Property product, its lifecycle, and credit parameters.- In-depth knowledge of the Ahmedabad real estate market and the DSA ecosystem.- Familiarity with financial products and services.Leadership & Management:- Proven ability to lead, motivate, and develop a sales team.- Strong decision-making and problem-solving skills.- Ability to set and achieve challenging targets.Sales & Interpersonal Skills:- Excellent negotiation, communication, and presentation skills.- Strong relationship-building abilities with DSAs and internal stakeholders.- Customer-centric approach.Other:- Proficiency in MS Office Suite and sales CRM software.- Ability to work independently and as part of a team.- High level of integrity and professional ethics.- Fluency in English and Gujarati (preferred). (ref:updazz.com) '