Sales Manager Branch Personal Loan CONSUMER LOANS, RETAIL LENDING
About the Business Group:
The Consumer Loan department is a part of Retail Lending business of the bank andoffers Personal loans and Education Loans to all categories of customers Pan India.
About the Role:
Sales Managers (SM) are a part of the Bank's sales force whose primary responsibility is to get customers for the bank and explore new business opportunities. SMs manage a team of executives responsible for selling loan products to the customers based on their needs. They will ensure mapping of market and customers according to their need and handle queries to ensure customer satisfaction.It requires strategic planning and execution to boost revenue, grow the portfolio, and maintain risk and compliance
Details of the Role:
Department
Retail Lending
Grade
AM/DM/M
Sub-Department
RL- Consumer Loans
Reporting (Business)
SM/AVP
Location
Mumbai
Reporting (Matrix)
Key Responsibilities:
Business Goals & Profitability
Responsible for driving the P&L of Personal Loans
Prepare the sales budget and execute strategies that enable achieving the target
Prepare Monthly, Quarterly, and Annual sales forecasts and be responsible for the sales target along with the growth and profitability of the portfolio
Audit, Compliance, and Risk Management
Ensure risk compliance through the completion of FCI and Internal Investigations observations, and repeat observations, ensuring timely and satisfactory closure.
Be responsible for the quality of the business portfolio by closely working with Risk and Credit teams and ensuring RAC Audits.
Sales and Channel Development
Develop and enhance new and existing channels of sales, such as Connectors, AVC, and Branch.
Ensure Siddhi adoption and usage.
Ensure digital adoption (MLP) and scale up applications through digital journeys
Responsible for Cross sell and Vas products penetration.
Responsible of Resource activation.
Responsible for Productivity of RO.
Responsible for setting up right distribution span across areas and segments.
Customer Experience
Oversee a fulfilling customer journey leading to customer delight and making the Bank the partner of choice.
Increase customer retention and drive engagement across existing customers to improve Net Promoter Score, customer satisfaction.
Responsible for FTR for his territory.
Collaboration and People Priorities
Collaborate with cross-functional partners to drive business results
Control regrettable attrition across all grades to maintain a strong and motivated team
Drive various people agenda, including but not limited to, values, talent management, internal mobility, culture, learning and developments
Role Requirements:
Qualification:
Graduation/post-graduation from a recognized institute
3+ sales experience (unsecured loans preferred)
Role Proficiencies:
Strong sales orientation
Proficiency in managing complex client relationships, diverse stakeholders
Capability to handle pressure and meet deadlines
Skill in managing large, geographically spread team coaching and mentoring team members
Competence in managing within a dynamic, priority-setting environment
