Role Summary

The Chief Sales Officer is responsible for driving revenue growth, market penetration, and customer acquisition across all business lines — chit funds, insurance broking, mutual fund distribution, and credit solutions. The CSO builds and leads a high-performing, multi-vertical sales organization, sets the group's sales strategy, and works closely with product, operations,compliance, and business heads to ensure sustainable, compliant growth.

Key Responsibilities

Strategy & Leadership

• Define and execute the group-wide sales strategy, annual sales plans, and revenue targets across all four verticals.

• Build, lead, and mentor a multi-layered sales organization — regional/branch sales heads, team leaders, and frontline

sales/relationship managers.

• Design incentive structures, sales contests, and performance management frameworks to drive productivity.

• Represent the sales function on the group leadership team and report performance to the MD/CEO and Board.

Vertical-Specific Sales Ownership

• Chit Funds: Drive new subscriber enrolment, group formation, and branch-level collections targets.

• Insurance Broking: Grow life, health, and general insurance policy sales; strengthen insurer partnerships and

persistency.

• Mutual Fund Distribution: Expand AUM, SIP book, and client folios; deepen advisor/RM-led distribution.

• Credit Solutions: Drive loan sourcing and disbursement volumes while maintaining sound portfolio quality.

Cross-Sell & Customer Lifecycle

• Build cross-sell and up-sell pathways across the four verticals to maximize customer lifetime value.

• Establish a unified customer database and referral system across business lines.

• Champion customer experience, retention, and Net Promoter Score improvement initiatives.

Market & Channel Development

• Identify new markets, branches, and channel partnerships (agents, DSAs, brokers, digital channels) for expansion.

• Track competitor activity, pricing, and market trends to keep company's offerings competitive.

• Drive digital and tele-sales channel growth alongside traditional field sales.

Governance, Compliance & Reporting

• Ensure all sales practices comply with applicable regulatory requirements (chit fund regulations, IRDAI,

SEBI/AMFI, RBI/NBFC guidelines as relevant).

• Own accurate sales MIS, forecasting, and pipeline reporting to leadership.

• Partner with Risk and Compliance teams to balance growth with responsible business practices.

Key Result Areas (KRAs)

• Revenue and volume growth across each business vertical vs. plan

• New customer acquisition and cross-sell ratio

• Sales team productivity, attrition, and capability building

• Channel and branch network expansion

• Portfolio quality and compliance adherence (credit and insurance verticals)

Candidate Requirements

Experience & Qualifications

• 12–18+ years of progressive sales leadership experience in BFSI/financial services, ideally spanning multiple

product lines (chit funds, insurance, mutual funds, or lending).

• Proven track record of leading large, geographically distributed sales teams and delivering revenue growth.

• MBA or equivalent postgraduate qualification in Sales, Marketing, or Finance preferred.

• Relevant certifications (e.g., IRDAI, AMFI/NISM) an advantage.

Skills & Attributes

• Strong strategic and analytical orientation, balanced with hands-on field sales leadership.

• Excellent stakeholder management, negotiation, and communication skills.

• Ability to operate across diverse regulatory environments and product complexities.

• High integrity and a compliance-first mindset given the trust-based nature of chit funds, insurance, and lending.

• Data-driven decision-making with comfort using CRM and sales MIS tools.

Smart Moves Talent Crafters Pvt. Ltd.

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Chief Sales Officer