Area Sales Manager - Manager - Bihar - Lending (LRM)

Role Overview The Area Collections Manager will be responsible for managing end-to-end collections across bucket segments, driving resolution strategies, ensuring portfolio health, and leading large on-ground and tele-calling teams. The role requires strong expertise in delinquency management, compliance, analytics, and team leadership. Key Responsibilities 1. Bucket & Portfolio Management ● Manage collections across delinquency buckets (0–30, 31–60, and higher DPD segments) ● Improve resolution rates in both early and late buckets ● Focus on non-starter and delinquent accounts to prevent roll-forward ● Drive collection efficiency and overall portfolio health ● Monitor daily performance and ensure adherence to CAPE norms 2. Tele-Collections Management ● Handle soft delinquency buckets (0–30 & 31–60 DPD) through tele-calling strategies ● Design and optimize calling patterns based on customer risk profiling ● Improve dialer efficiency, call connect rates, and campaign performance ● Maximize early-stage resolutions to prevent migration to hard buckets 3. Field Collections & Risk Control ● Ensure strong field discipline (app usage, visit tracking, audit trails) ● Drive legal escalation for critical/high-risk cases ● Conduct audits to identify and mitigate portfolio risks ● Maintain strong governance and control mechanisms 4. Team Leadership & Vendor Management ● Lead large teams including Collection Managers, Team Leaders, and Executives ● Manage third-party/vendor collection agencies ● Allocate portfolios and set bucket-wise targets ● Conduct daily huddles, reviews, and performance tracking ● Coach teams on negotiation, objection handling, and resolution strategies 5. Target Achievement & Performance Delivery ● Drive monthly collection targets and improve resolution ratios ● Enhance PTP (Promise to Pay) conversion and kept rates ● Focus on First-Time Delinquent (FTD) customers to reduce future NPAs ● Ensu

About Us: Paytm is India's leading mobile payments and financial services distribution company. Pioneer of the mobile QR payments revolution in India, Paytm builds technologies that help small businesses with payments and commerce. Paytm’s mission is to serve half a billion Indians and bring them to the mainstream economy with the help of technology. About the Team : The Merchant Lending team is one of the fastest-growing business verticals at Paytm, focused on enabling credit access to millions of merchants across India. The team drives credit penetration, loan lifecycle management, and cross-sell of high-value financial products like Gold SIP, Insurance, and other merchant-centric financial Solutions. About the Role: Paytm is looking for an experienced Sales Leader & People Manager to drive the Merchant Lending business across the assigned region. The role involves scaling merchant loan penetration, strengthening underwriting funnel quality, and unlocking incremental revenue through strategic cross-sell initiatives. Expectations/ Requirements: 1. Grow Merchant Lending penetration and overall credit distribution in the assigned geography. 2.⁠Drive visibility & deployment of lending products—Merchant Loans, BNPL, QR-linked credit, overdraft lines, etc. 3.⁠Lead cross-sell of financial products like Gold SIP, Insurance, and other merchant financial tools to enhance merchant stickiness and revenue-per-merchant. 4.⁠Identify, recruit, and manage a strong field sales team to accelerate lending acquisition and cross-sell outputs. 5.⁠Define market size, span, funnel metrics, and territories for Team Leads to maximise efficiency. 6.⁠Ensure seamless communication of plans/targets, minimising expectation vs delivery gaps. 7.⁠Monitor and improve portfolio quality metrics—repayment behaviour, fraud checks, documentation hygiene, and onboarding quality. 8.⁠Conduct audits and validations on loan files, sales processes, and cross-sell adherence. 9.⁠Lead and mentor a lar

DR ASHWANI KUMAR VIJ : Has been retained by : MNC associated, Professionally Managed, fast growing and Diversified Business Group into Manufacturing and trading of Water filteration, Pipes, Fittings, Building Materials related Projects / Products etc to select 2 : Area Sales Managers - Gurgaon. Responsibilities/KRA: *Maintaining & Enhancing Sales *Establishing, Maintaining & Expanding Customer Base *Servicing the Needs of Existing Customers *Increasing Business Opportunities Through Various Market Routes. *Actively seek out new sales opportunities through cold calling, networking and social media *Developing Sales Strategies & Setting Targets. Qualifications Desired : MBA Experience Desired : 6-8 Years. Age Preferred : Below 32 Years. Email Complete / Structured CV, with Scanned copy of Visiting Card, Salary Drawn / Expected details at : DR ASHWANI KUMAR VIJ : President : Sales Recruitment

Role Summary: The Area Sales Manager holds accountability for the health insurance sales performance of a ten-member Relationship Manager team in Delhi NCR. The role encompasses building the team, establishing and sustaining the daily field rhythm, coaching the sales pitch, and delivering the monthly premium target through open-market sourcing. This is a hands-on, field-based leadership role. The Area Sales Manager is expected to be present in the market alongside Relationship Managers — covering territories, participating in customer meetings, and supporting case closures with the team. Key Responsibilities: Own and deliver the team's monthly premium target. Drive login-to-issuance conversion by resolving documentation, medical scheduling, and underwriting pendency in coordination with the operations team. Conduct the daily morning huddle, spend structured time in the field with Relationship Managers, and audit lead quality to ensure MIS records accurately reflect field activity. Build and maintain the team by screening, interviewing, and onboarding Relationship Managers, allocating territories based on candidate residence. Maintain quarterly Relationship Manager attrition below 10%. Sustain an average ticket size of at least ₹15,000 by prioritising family floater and port-in cases within the sales pitch. Keep free-look cancellations below 5% of gross premium and enforce compliance standards across all open-market sales activity. Pre Requisites: Five to eight years of experience in field sales, including a minimum of two years managing a frontline sales team against individual and team targets. Prior experience in a target-driven field sales environment within the direct sales channel of Health Insurance, Life Insurance, General Insurance, or BFSI. Proven track record in hiring, developing, managing, and retaining frontline sales teams. Strong understanding of Delhi NCR markets, with the ability to operate across multiple locations and regions. Soun

DR ASHWANI KUMAR VIJ : Has been retained to select 2 : Head / DGM / AGM / GM - Sales. for a growing and professionally managed Realty and Construction Group. Job Description: -Planning, Business development, establishing targets & ensuring accomplishment of the same through sales team. -Leading team to promote sales and to meet the specific requirements of clients and handle sales operation. -Identify potential property associates and to establish a strong network of channel partners in India. Managing the sales and marketing operations and accountable for increasing sales growth. Ensure execution of marketing plans of allotted projects. Qualification/Education Profile Desired : -Degree in any discipline + MBA with specialization in sales and marketing. -Candidate should have Real estate background and have minimum 10 to 15 years of experience. -Computer literate (Excel, Word, Outlook, PowerPoint) -Effective oral and written communication in Hindi and English. -Leading a team of inside Area Sales Manager / Sales executives & regularly taking follow-up with the team for Lead Generation, Hunting New customers and Accounts. -Give the presentation to the clients about the projects & resolve their queries on same. Age Desired : Below 40 Years. Excellent Salary Package would be offered to the right candidate. DR ASHWANI KUMAR VIJ : President : Sales Recruitment Email Complete/Structured CV, with Scanned copy of Visiting Card, Salary Drawn / Expected details at:

Job Summary 1. Arranging appointments with doctors, pharmacists and hospital medical teams, which may include pre-arranged appointments or regular 'cold' calling. 2. Making presentations to doctors, practice staff and nurses in GP surgeries, hospital doctors and pharmacists in the retail sector. Presentations may take place in medical settings during the day, or may be conducted in the evenings at a local hotel or conference venue. 3. Organizing conferences for doctors and other medical staff; building and maintaining positive working relationships with medical staff and supporting administrative staff. 4. Managing budgets (for catering, outside speakers, conferences, hospitality, etc.) 5. Keeping detailed records of all contacts. 6. Reaching (and if possible exceeding) annual sales targets. 7. Planning work schedules and weekly and monthly timetables. This may involve working with the area sales team or discussing future targets with the area sales manager. Generally, medical sales executives have their own regional area of responsibility and plan how and when to target health professions. 8. Regularly attending company meetings, technical data presentations and briefings. 9. Keeping up to date with the latest clinical data supplied by the company, and interpreting, presenting and discussing this data with health professionals during presentations. 10. Monitoring competitor activity and competitors' products; maintaining knowledge of new developments in the National Health Service (NHS), anticipating potential negative and positive impacts on the business and adapting strategy accordingly