Regional Sales Manager - Unsecured Direct

• lead and execute the zonal business strategy for unsecured lending in alignment with national goals, considering regional nuances and competitive pressures
• drive business growth through market expansion, channel development, and customer acquisition strategies while maintaining portfolio quality and credit standards
• ensure operational excellence by monitoring SLAs, enhancing process efficiency, and building stakeholder relationships to reduce TAT and improve customer satisfaction
• implement risk management practices by partnering with the risk team for credit assessments, portfolio monitoring, and NPA control
• manage internal teams (ASMs/SMs) to enhance performance, enable training, and foster a high-performing sales culture across the zone
• engage ABG ecosystem and external channels to maximize cross-selling opportunities, deepen customer penetration, and boost profitability
• track market trends, competitor moves, and local customer preferences to proactively refine the zonal sales strategy and product focus
• support and enforce compliance-driven operations while upholding high standards in documentation, disbursement practices, and internal coordination
• monitor key metrics such as disbursement volume, yield, portfolio performance, customer acquisition cost, and operational RoI

Job Purpose of Direct Reports:

• Area Sales Manager (ASM):

  Responsible for achieving regional business targets through team supervision, market penetration, customer acquisition, and channel partner management

• Sales Manager (SM):

  Executes daily sales activities, drives lead generation and conversion in assigned territories, and ensures customer satisfaction and compliance with sales processes