Area Sales Manager-Hyderabad

* The Mid Market and Supply Chain function is responsible for financing the short\-term, medium\-term, and long\-term working capital and supply chain needs of SMEs through a suite of customized products with varied tenures. * The key business metrics for success include loan book size, profitability, and a zero\-tolerance approach to delinquency. * A strong understanding of business finance, loan structuring techniques, and credit administration is essential to building credibility with customers and gaining a competitive edge. * Deep knowledge of local market dynamics—including specific occupations/trades, industries, and local financial and investment preferences—is critical for structuring loans effectively and identifying new business opportunities. * Expand market share in targeted locations and outpace competition. * Continuously upgrade financial acumen, including knowledge of loan structuring methods and business financials, to build trust and credibility with customers. * Stay informed about recent market trends and evolving local market preferences to align with customer needs. * Ensure strong credit quality by conducting effective portfolio selection and pre\-screening to minimize the risk of non\-performing assets (NPAs). * Safeguard financed amounts by conducting post\-sanction surveillance, maintaining strong client relationships, and monitoring collateral to ensure the complete safety of the financing. **Key Responsibilities** * Area Sales Growth \& Profitability Management * Achieves sales targets for the local area through * monitoring pipeline funnel \& developing a plan with the team to achieve book size and market share * Planning \& implementing initiatives to identify and bring on board new channel partners * Achieves the area gross contribution * Monitors local market trends and competitive offerings \& identifies opportunities for business expansion for the region * Ensures minimal client attrition through strong client engagement activities * Engages with the investment bankers, chartered accountants and brokers in the for sourcing new business on a regular basis * Raises escalation on delinquent cases/ potential NPAs and closely monitors these through the team for collection dues. * Tracks key accounts in the portfolio with regard to health of the business and potential early warning signs of NPAs * Client Acquisition \& Relationship Management * Drives new client acquisition and retention through mapping of key clients in the area \& establishes relationships with them to maintain/ enhance the pipeline funnel. * Increases quantum of area business through strong focus on cross\-selling initiatives \& innovative product mixes. * Identifies business potential in new geographic s of the region \& penetrates them through marketing events in strategic locations * Cultivates a deeper customer bonding by ensuring faster TATs in collaboration with the Credit analysts, enabling the use of technology to improve operational efficiencies \& responsiveness in customer service to ensure retention of existing customers. * Recommends development of new products based on local market and competitor insights and trends * Supports enhancements to existing product service mix according to local specifications by providing inputs to the RSM * Reporting, Audits \& Internal Compliance * Monitors the portfolio health in conjunction with the risk team through continuous portfolio surveillance and tight pre screening of proposals sourced in the area. * Ensures effective risk management by driving policy adherence and compliance in all sales operations activities within the region team. * Drives compliance through proper loan documentation, adherence to KYC norms and collation of all other relevant information about the client and application of necessary risk mitigation where required. * Monitors the non\-payment of loans, cheque bounces, etc closely and ensure that there are minimal NPAs in the portfolio. Flags off specific cases to the RSM for intervention. * Emphasizes strict compliance and adherence with respect to any regulatory/ statutory or legal norms and considerations. * Portfolio Quality \& Profitability * Track overdue accounts daily for the business and ensure timely collections. * Intervene to ensure collection on initial overdue accounts in a timely manner. * Ensure profitability by applying appropriate pricing strategies and processing fees. * Implement cost management initiatives on a timely and accurate basis. * People Management * Provide input to the Area Sales Manager for the Sales MIS to improve reporting and operational performance. Ensures that all relevant product \& behavioral training is imparted to RMs to enhance business outcomes and support individual development. * Oversees sourcing, recruitment, on\-boarding and capability development of team members to drive productivity.