 Lead and manage the Direct Sales Team (DST) to achieve sales targets for unsecured personal loans.  Develop and implement sales strategies to increase loan disbursement and customer acquisition.  Identify and explore new business opportunities, channels, and markets for personal loans.  Drive and monitor sales performance metrics, ensuring the team meets and exceeds targets.  Conduct regular training and mentoring sessions for the DST to enhance sales performance.  Build and maintain relationships with customers to ensure high satisfaction levels and repeat business.  Ensure compliance with company policies, procedures, and regulatory requirements.  Report on sales performance, market trends, and competition to senior management.  Collaborate with other departments (marketing, operations, etc.) to support sales initiatives. Key Requirements:  Bachelor's degree in Business, Finance, or a related field.  Minimum 4-6 years of experience in sales, with a focus on unsecured personal loans.  Proven track record of achieving sales targets in the financial services sector.  Strong leadership skills and the ability to manage and motivate a sales team.  Excellent communication, negotiation, and interpersonal skills.  Ability to work in a fast-paced, target-driven environment.  Proficiency in MS Office (Excel, Word, PowerPoint).  Knowledge of local market dynamics and competition in personal loan products.