Area Sales Manager - Unsecured Business Loans

Area Sales Manager

leading private sector banks

working capital, term loans, project finance, and unsecured business loans

Key Responsibilities

• Client Relationship Management: Foster strong relationships with existing clients to ensure income stability and explore new avenues for growth, while identifying opportunities to cross-sell and upsell products.
• Deal Structuring: Leverage credit knowledge and product expertise to structure and implement innovative deals in working capital, term loans, and project finance, driving competitiveness and client value addition.
• Business Development: Collaborate with Business Banking teams to originate new business, increase book size, and manage trade finance and cash management services.
• Team Management: Lead a team of Sales Managers to drive business growth from branches, channel partners, and direct markets.
  

Key Deliverables

• Acquire and maintain a portfolio of business loan clients
• Perform financing activities tailored to customer requirements
• Achieve individual targets while maintaining high service standards and compliance
  

Required Skills

• Strong negotiation and relationship management skills
• Ability to analyze complex problems and make effective decisions
• Credit knowledge: financial analysis (loss, rating, PAT, etc.)
• Process optimization skills to improve performance
  

Qualifications

• Postgraduate degree preferred
• 8-10 years of relevant work experience in business banking or a similar domain
• Prior experience in channel management for similar products is desirable