Key Responsibilities
Business Development & Sales

Achieve monthly and annual tractor loan disbursement targets.
Identify new business opportunities in rural and agricultural markets.
Generate leads through tractor dealers, manufacturers, and direct customer interactions.
Increase market share in the assigned area.
2. Dealer & Channel Management
Develop and maintain relationships with tractor dealers and distributors.
Appoint and support new dealer channels where required.
Conduct dealer visits and provide product training.
Ensure smooth coordination between dealers and credit teams.
3. Customer Acquisition
Meet farmers and rural customers to promote tractor financing products.
Explain loan features, eligibility criteria, interest rates, and repayment options.
Assist customers in documentation and loan application processes.
4. Team Management
Lead and supervise Sales Officers, Relationship Officers, or field executives.
Set targets and monitor team performance.
Conduct regular field visits and coaching sessions.
Ensure productivity and discipline within the sales team.
5. Credit & Portfolio Quality
Coordinate with credit and risk teams for loan approvals.
Ensure proper customer verification and KYC compliance.
Monitor loan delinquency and collection performance.
Support recovery efforts to maintain healthy portfolio quality.
6. Market Intelligence
Track competitor activities, pricing, and financing schemes.
Analyze local agricultural trends and tractor demand.
Provide market feedback to senior management.
7. Reporting & Compliance
Prepare sales reports, pipeline reports, and MIS.
Ensure adherence to company policies and regulatory guidelines.
Maintain accurate records of customer interactions and loan applications.
Required Qualifications
Bachelor's degree in Business, Agriculture, Commerce, Marketing, or related field.
MBA preferred for some organizations.
3–8 years of experience in tractor finance, vehicle loans, rural lending, agri-finance, or banking sales.
Key Skills
Sales and negotiation skills
Rural market knowledge
Dealer relationship management
Team leadership
Credit and lending knowledge
Communication and presentation skills

Area Sales Manager - Tractor Loans

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