Area Sales Manager, Nano Business

About the role

Bharat Banking - Nano Business team drives credit solutions for nano enterprises in semi‑urban and rural areas. The Area Sales Manager leads a team of 5‑7 Sales Managers across 2‑3 districts, overseeing loan disbursement, collection, and portfolio health while coaching on product cross‑selling. Based in Thane with an on‑site work model, the role includes frequent travel (15‑20 days/month) to customer sites and branch offices.

What you’ll do

• Lead and coach a team of Sales Managers to meet loan disbursement and collection targets
• Train team on secured and unsecured loan products and cross‑selling opportunities
• Monitor and improve manpower productivity and collection efficiency
• Conduct customer assessments and periodic visits to ensure loan utilization
• Manage PDD and audit queries ensuring timely submission
• Track competition and report market developments
• Maintain customer relationships as first point of contact for issues

What you’ll bring

• Graduation or Post‑Graduation
• 3-10 years sales experience in Bank or NBFC for Nano/Micro Business Loans
• Knowledge of credit bureau checks and loan assessment
• Understanding of local market and property valuation
• Maximum age 40 years

Skills