Area Head

Industry: Banking / NBFC

Experience: 4+ Years

Position Overview

We are looking for a dynamic and driven Area Head Sales & Collections to lead business operations across multiple lending verticals, including Solar, Agriculture, Industrial, Two Wheeler, Medical Equipment, and LAP (Loan Against Property).

The ideal candidate will have 4+ years of total experience, including a minimum of 4 years in team management, leading a team of at least 7 members. This role demands strong leadership skills, a deep understanding of customer and credit behavior, and a results-oriented approach to both sales growth and collections efficiency.

Key Responsibilities

1. Sales Management

• Develop and execute effective sales strategies aligned with the respective vertical (Solar, Agriculture, Industrial, Two Wheeler, Medical Equipment, LAP) to meet business targets and drive growth.
• Identify new market opportunities and customer acquisition channels across assigned territories.
• Drive achievement of sales KPIs including disbursement targets, conversion ratios, and portfolio growth.
• Ensure strong coordination with credit, operations, and risk teams for seamless loan processing.
• Build and maintain strong working relationships with dealers, distributors, OEMs, channel partners, aggregators, and other stakeholders relevant to each vertical.

2. Collections Management

• Oversee and manage the end-to-end collections process to ensure timely recovery of dues.
• Monitor portfolio health and implement proactive, data-driven collection strategies.
• Minimize delinquency rates and control PAR/NPA levels within defined thresholds.
• Handle escalated collection cases and assist in negotiations, settlements, restructuring, and legal actions where required.
• Ensure strict adherence to internal risk, compliance, and regulatory standards during all collection activities.

3. Team Leadership

• Lead, coach, and manage a team of 7 or more professionals across sales and collections functions.
• Set clear performance targets and conduct regular performance reviews.
• Provide continuous mentoring and capability-building support to team members.
• Conduct regular market visits and field monitoring to assess productivity and local business dynamics.
• Foster a high-performance, ethical, and collaborative work culture.

4. Reporting & Analytics

• Analyze sales, disbursement, and collection data to generate actionable business insights.
• Prepare MIS reports, dashboards, and portfolio reviews for senior management.
• Monitor competitor activity, pricing trends, and market developments across verticals.
• Leverage analytics to optimize operational efficiency and enhance customer engagement strategies.

Qualifications & Skills

Experience

• 4+ years of total experience in sales and collections within Banking / NBFC / Financial Services.
• Experience in any of the following lending verticals: Solar Finance, Agriculture Loans, Industrial Equipment Finance, Two Wheeler Loans, Medical Equipment Finance, or LAP.
• Minimum 4+ years of team management experience handling a team of 7 or more members.
• Hands-on experience in Secured and Unsecured Lending.

Education

• Bachelors Degree in Business Administration, Finance, Commerce, or related field.
• MBA (Finance/Marketing) preferred.

Skills & Competencies

• Strong understanding of market dynamics and credit behavior across retail/MSME segments.
• Proven leadership and team management capabilities.
• Excellent communication, negotiation, and stakeholder management skills.
• Strong analytical ability with proficiency in MS Excel and reporting tools.
• Ability to work in a target-driven, high-pressure environment.
• Sound understanding of risk, compliance, and portfolio management principles.