JOB DESCRIPTION :

Job Name : Sales Manager - Personal Loan - Prime

EDUCATIONAL QUALIFICATIONS :

- MBA or Graduate with / without experience in financial or other industry mainly into retail business/FMCG etc. Person having experience/ relevant experience to be given preference.

RELEVANT EXPERIENCE : Fresher or 1-5 years in Financial or other industry in sales.

JOB ROLE :

To generate Personal Loan (salaried) business & to achieve on monthly basis benchmark targets and meet SM productivity norms set basis Grade/Band. Targets and productivity to be achieved by generating maximum potential business in areas / prime market location through branches, DST & channels allocated/appointed from the area falling under work purview. Allocation can be of channels or DST/branches or of both. Area of work also may change from time to time.

- To meet branch cross sell targets. All branches need to be activated for business and appointment/allocation of BDRs in these branches need to be logical and linked to the Branch targets.

- To ensure that all DST staff are productive and significantly above the minimum productivity benchmark, so that both the median and average productivity levels increase. To ensure periodic training of DST on processes/product/policy and timely updates on any changes therein.

- Branch business is a function of Leads Generated and Visibility Created for our products. Sales Manager has to ensure that enough visibility is there and maximum conversion of leads. There should not be any lead loss.

- To increase overall business by increasing distribution by way of appointing new channels/ Lead Generators and activate them consistently. To ensure that all existing and new channel are productive. Also ensure periodic training of channels on processes/product/policy and timely updates on any changes therein.

- To generate maximum revenue by ensuring IRR & PF are as per budget or above that.

Scoping exercise to be carried out for internal branch customers & work on internal customer data base in close coordination with ADMs/Branch RMs/PBs & BM s. To encourage ADM & branches to generate leads and ensure timely & maximum conversions thereof.

To ensure high customer satisfaction level by maintaining high FTR%, faster end to end TAT & the fastest resolution of customer complaints.

- Highlighting and grabbing business opportunities with innovative approach for conversion of untapped segments of internal/external customers.

- Close interaction with ADM, Credit, BEU, RIC & operations teams, branches, channels for smooth work flow and maximisation of business.

- Strict adherence to Banks HR policies & guidelines and Audit compliances.

- To activate all branches. To work harder on under performing branches and to get business from all branches. Also to ensure that all branch targets are met as per budgets.

- To ensure direct sourcing by SM and get percentage of business from direct sourcing as per given benchmark percentage.

- Monitor & review business progress of channels, DST & branches on regular basis and highlighting area of concern to branches/concerned persons.

- Timely and proper reporting to be done regularly to supervisors on daily affairs. Also provide information on internal & external development which is in the benefit of business.