Zonal Sales Manager - LAP

Job Title-Zonal Sales Manager-LAP

Location-Bangalore

Job Role Purpose & Objective: (Brief summary for the existence of the job role)

The Zonal Sales Manager (ZSM) is responsible for driving business growth, portfolio quality, sales productivity, and channel expansion across an assigned zone for secured and unsecured loan products. The role requires strong leadership to manage regional / area sales teams, ensure achievement of business targets, maintain portfolio health, and drive adherence to the banks credit policy, RBI guidelines, and compliance standards.

KEY DUTIES & RESPONSIBILITIES OF THE ROLE

• Drive zonal business growth for secured and unsecured loan products in line with budgeted targets.
• Manage and oversee performance of Regional Managers, Area Business Managers, and sales teams across the zone.
• Achieve zonal disbursement, login, productivity, and revenue targets.
• Develop and implement sales strategies, market expansion plans, and channel growth initiatives.
• Monitor sourcing quality, conversion ratios, TAT, and portfolio performance across locations.
• Ensure compliance with credit policy, RBI guidelines, KYC/AML norms, and Fair Practices Code.
• Drive productivity through regular business reviews, field visits, and performance tracking.
• Strengthen and manage DSA/channel partner networks to improve sourcing and market reach.
• Coordinate with Credit, Risk, Legal, Operations, and Collections for seamless execution.
• Monitor delinquency trends, early warning signals, and portfolio quality to control stress.
• Support cross-sell of banking and fee-based products to improve customer profitability.

Provide market intelligence, competitor insights, and business updates to senior leadership.

MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS

• In-depth knowledge of secured and unsecured lending products and end-to-end loan lifecycle.
• Strong understanding of credit policies, underwriting basics, and portfolio quality metrics (PAR/NPA).
• Working knowledge of banking processes, audit requirements, and LOS/CRM systems.
• Awareness of RBI regulations, KYC/AML norms, and Fair Practices Code.
• Proven experience in managing multi-location sales operations and large business volumes.
• Ability to manage and scale DSA/channel ecosystems and branch-driven sourcing models.

**Educational Qualifications-**Graduation and above

**Total Experience-**12+ Years

Competency & Skills Required

• Strong strategic leadership and team management across regions and large teams.
• Proven capability in business planning, target setting, and performance governance.
• High risk awareness and compliance orientation with focus on portfolio quality.
• Excellent stakeholder management with senior leadership and cross-functional teams.
• Strong analytical and decision-making skills for driving growth and controlling delinquencies.
• Exceptional communication, influencing, and coaching skills to drive high performance.

if your profile is a good fit you may share your cv on [email protected]