Area Sales Manager - Micro Finance

Area Sales Manager - Micro Finance - Ranchi - Bansal Plaza - JM 10036 Drive Microfinance business by Identifying business potential locations with in-depth research taking input from primary and secondary sources. Engaging with potential microfinance institutions, representing TCFSL and acquire/onboard potential partners Leading a sales team of Sales Officer / field staffs to augment the Business Correspondent (BC) network of various financial institution & Direct channel business. Build strategic partnerships with Universal Banks, NBFCs, NBFC-MFIs, Payment Banks, Small Finance Banks to provide an array of financial products and services for the channel partners. Business development & expansion on business correspondence alliance partners Innovate & develop retail asset products e.g. JLG Loans, Secured & Unsecured MSME Loans to suit the target customers and geographies. Sales strategies to improve market share and Identification of business potential areas / districts for expansion of region Enabling business growth by developing and managing a teams across assigned territories for deeper market penetration and reach. Assess potential client base and product acceptability in new regions, areas & opportunities for geographical expansion of operational areas and setting up new business correspondence alliance partners Ensure business growth and diversity of products in the region as per business plan Create a support function structure in line with the product requirement to facilitate the appraisal, documentation, disbursement, repayment and delinquency management Formulating collection strategy of your region and Preventative / risk averse measure to maintain quality portfolio Plan / design sales contest at regional levels Filed visits to monitor & guide the loan officers Responsible for work force planning, recruitment & training, suited to handle various asset products across geographies Ensuring staff skill development through meetings and continuous monitoring of various clusters on regular basis by identifying training needs as per the market trends and new business opportunities Maintaining resource optimisation & operational cost. Branch identification in your respective designated areas of operation. Responsible for handling all Compliance, Audit, Legal, Customer Service, Operations, Logistics, Admin, HR etc related issues in your region. Implementing best business practices and developing company strategies and programs while ensuring strict compliance and integrity. Min 5yrs exp + Experience working in a NBFC, NBFC MFI, SFB or Bank At least 2 years in a team handling and leadership role. Must be familiar about business correspondent model working with top lending institutions & direct lending business. Must have handle BC & JLG business. Key Skills Relationship management, Business sourcing & portfolio management, Well versed with understanding of credit underwriting, Understand critical attributes of legal and governance requirements, Good acumen of technology and automation, Business planning and product management Education: Post Graduate/ Graduate in any discipline