Area Sales Manager - Commercial Vehicle Loan Copy 3

We are seeking a results-driven Area Sales Manager – Commercial Vehicle Loan to lead and expand our commercial vehicle financing business within a designated territory. The role involves driving sales growth, managing channel partnerships, building dealer networks, and ensuring high-quality loan portfolio performance.

The ideal candidate will have strong field sales experience in financial services, particularly in vehicle finance or lending, with a deep understanding of the local market.

Key Responsibilities

1. Business Development & Sales Growth

• Drive commercial vehicle loan disbursements across the assigned region
• Identify and onboard new dealers, DSA (Direct Selling Agents), and channel partners
• Develop strong relationships with transporters, fleet owners, and vehicle dealerships
• Achieve monthly, quarterly, and annual sales targets

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2. Channel & Dealer Management

• Strengthen existing dealer relationships to increase business volume
• Conduct regular field visits and sales meetings
• Provide training and product updates to partners
• Ensure smooth coordination between credit, operations, and sales teams

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3. Portfolio & Risk Management

• Monitor portfolio quality and ensure minimal delinquency
• Work closely with credit and collection teams to manage risk
• Ensure compliance with company policies and regulatory guidelines

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4. Market Intelligence & Strategy

• Analyze competitor offerings and pricing strategies
• Identify market opportunities and emerging segments
• Provide feedback to senior management for product improvements

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Required Skills & Qualifications

• Bachelor’s degree in Business, Finance, Marketing, or related field
• 3–7 years of experience in commercial vehicle loans, NBFCs, or banking sales
• Strong understanding of commercial vehicle financing products
• Excellent negotiation and relationship-building skills
• Proven track record of achieving sales targets
• Strong leadership and team management abilities

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Key Competencies

• Result-oriented mindset
• Strong analytical and decision-making skills
• High level of field engagement and adaptability
• Customer-focused approach
• Excellent communication and interpersonal skills

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Reporting Structure

• Reports to: Regional Sales Manager / Zonal Sales Head
• Manages: Sales Executives / Relationship Officers (if applicable)

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Performance Metrics (KPIs)

• Disbursement volume and revenue growth
• Dealer onboarding numbers
• Portfolio quality (PAR, NPA levels)
• Market share growth within the territory

This role offers an opportunity to lead business expansion in a high-growth segment while building strong market presence and long-term customer relationships.

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