Sales Manager

Job purpose

This role is focused on running direct-channel sales activities for housing finance and related lending products, including builders, connectors, brokers and references. The position supports and guides the Sales Officer team to deliver branch targets, maintain strong customer relationships, and coordinate with Risk, Operations and Sales Governance teams to keep sales activity compliant and efficient. It also involves cross-selling ABHFL and ABC products and solutions based on branch objectives and customer needs.

Job context and key challenges

The business offers housing finance for homebuyers, Loan Against Property, Commercial Property Purchase, Lease Rental Discounting and Construction Finance for builders. Since the business is largely retail-led, it manages a high number of loan transactions and customer relationships, making people, process and organizational efficiency critical to performance. Success depends not only on book growth, but also on profitability and keeping delinquency low. Funding costs can affect both margins and the competitiveness of loan pricing.

For retail customers, the role requires identifying needs across target customer segments quickly and executing in a way that stays compliant with statutory and regulatory requirements. For institutional and builder customers, it requires handling complex business requirements through proactive relationship management and tailored solutions, while continuing to comply with all policies and controls.

The Sales Manager - Direct is expected to deliver agreed sales outcomes with the ASM-ABHFL, including target book size, growth, and customer service goals.

Responsibilities

• Plan and run sales activities with the ASM-ABHFL to meet branch goals, taking local market conditions, competition and trends into account.
• Pass sales objectives to the team and ensure each member understands business priorities, role expectations, product features and key selling points.
• Track progress toward targets closely and step in with prospecting, references and other sales actions when performance needs a boost.
• Review the local market regularly and guide the team on opportunities, challenges and competitive offerings.
• Use schemes and initiatives to grow sales while keeping costs under control and protecting profitability.
• Prepare and share periodic MIS updates covering disbursements, profitability, NPAs, market expansion and other key metrics.
• Identify business growth opportunities in the local market and refine engagement with DSA partners accordingly.
• Work with DSA partners on identified prospects, communicate product strengths clearly, and drive successful closures with a customer-focused approach.
• Keep prospects and DSA partners informed about transaction status and drive compliance so approvals happen on time.
• Improve customer lifecycle efficiency across sourcing, approval, servicing and collections.
• Coordinate with senior stakeholders and functional teams to ensure smooth execution across distribution channels.
• Improve TATs and process efficiency by working across Risk, Operations and Sales Governance.
• Support adoption of better processes and best practices to improve productivity and overall business impact.
• Execute the cross-selling approach agreed with ASM-ABHFL and help the team align to it.
• Provide the team with communication support, product guidance, training and client interface support where needed to promote cross-sell success.
• Coach and develop team members to strengthen customer acquisition and engagement.
• Recommend team members for relevant technical and behavioural learning programs and support self-development efforts.
• Work with internal stakeholders to keep operations aligned and ensure target achievement.
• Partner with Risk, Operations and Sales Governance to maintain risk controls and adherence to approved processes.
• Train and guide the team on early-warning practices to reduce NPA risk and support sound portfolio quality.
• Maintain accurate and systematic MIS on NPAs and credit trends, and share inputs on factors influencing portfolio health.

Requirements

• A graduate degree is required.
• Overall sales experience of 5 to 7 years in the Banking or NBFC sector is needed.
• At least 2 to 3 recent years of that experience should be in HFC sales.
• Strong commercial understanding and the ability to manage a team are essential.
• Good communication, negotiation and relationship-building ability is important.
• Familiarity with products, market dynamics and execution discipline is needed.
• The role calls for awareness of loan processing, compliance requirements and risk controls.

Additional information

This is a full-time, onsite role based in Gujarat, India. No salary, stipend, start date, application deadline, duration or number of openings was specified in the source.

Key business focus

The job is designed to balance sales growth, customer service, operational efficiency, compliance and portfolio quality. It requires close coordination with internal teams and external channel partners to support both direct sourcing and cross-selling objectives.