Job Title Zonal Sales Manager - Two Wheeler Loans Business Unit Retail Assets - Two Wheeler Reporting To National Sales Manager - Two Wheeler Loan Job Function and Role Type Sales, Supervisory, Extensive Travel Required Version No 2.0 Job Purpose Achieve business volumes in wholesale and retail for the respective zone. Manage multiple verticals, ensure profitability, and drive overall strategy while maintaining customer retention and service excellence. Key Responsibilities Business Numbers Achieve targeted business volume at given WIRR and CoA. Meet individual targets across all verticals. Distribution Ensure Distribution responsibilities are completed. BDP Ensure BDP responsibilities are completed. PDDs Ensure PDDs responsibilities are completed. TAT/FTNR Ensure files are disbursed within TAT and FTNR limits. Third Party Income Achieve monthly targets for insurance revenue, FD, CASA, and CC sourcing. Relationship Ensure Relationship responsibilities are completed. Inventory Ensure Inventory responsibilities are completed. Collections Ensure Collections responsibilities are completed. Productivity Maintain proper distribution mix across channels. Achieve business growth and cost advantage in new geographies. Maintain agreed market share percentage. Operate as a profit center and contribute to PBT. Ensure PDDs outstanding post 90 days are within benchmarks. Build and maintain relationships with DSA, DDSA, branch banking teams, and regional OEM offices. Ensure inventory coverage at major dealerships. Achieve 20% retail conversions from dealerships using inventory limits. Conduct monthly reviews with collections to control cheque bouncing and early delinquency. Manage overall portfolio health. Maintain benchmark productivity for the zone. Human Resource Motivate and train the team for higher challenges. Ensure minimum attrition. Education: Postgraduate in Business preferred. Certifications: None specified. Key Competencies Sales and influencing skills, banking product and process knowledge, planning and organizing skills, communication, knowledge of competition and financial industry trends. Major Stakeholders Customers, branch banking team, credit/operations/RIC/collections, product team, insurance CAM, audit team, cross-vertical departments.