Sales Manager

Location : Nasik/NCR

Education : Graduate/Post Graduate

Years of Experience : 3 to 15 years

Openings : 1

Salary : As per the industry standards along with performance based lucrative Incentive

Profile Summary :

Desired candidate will lead the development of the region allocated. Prime deliverable is to achieve business targets for the entire product with effective control and supervision of all Network relationships. He/She will work to improve sales team's productivity, network relations and services, and surpassing AOP/goals. Build impactful strategies do drive volumes and build network relationships in the locations.

Desired Skills :

- 3-10 years of experience in BFSI with atleast relevant experience of 3-5 years in SME Business Loans.

- Good knowledge of SME product as well as markets about, business loans in the geography.

- Have sound knowledge of local references, deep penetration of the local market and good rapport with the business segments in the geography.

- Analytical skills and understanding of financial statements. Flair for numbers and ability to track movement of numbers

- Strong track record during their career

- Good written and verbal communications

- Good knowledge of computer including MS Office and Google Drives.

- Should have managed atleast 8 to 9 on roll employees for minimum 5 years.

- Should have managed multiple branches/cities/states.

Behavioral Competencies :

- Good interpersonal skills. Result oriented with a positive outlook and ability to convince clients, seniors and subordinates across functions and be a solution provider.

- Ability to analyze and think strategically.

- System and process orientation

- Quality orientation

- Problem-solving ability

- Customer Service Orientation

- Entrepreneurial and able to build strong network

- Strong track record of leading teams to deliver stretch projects with high impact

- Willing to travel across region

Key Responsibilities :

- Sourcing Unsecured Business Loan, Secured Loan, All type of Investments & Insurance in the market through Channel Partners / Reference.

- Lead a result-oriented team and is responsible for managing the Cluster profitability.

- Ensuring high quality service and optimal Network Relationship Management

- Conduct periodic strategic review of the business portfolio across the locations allocated.

- Define and implement necessary strategies and processes to ensure high level of performance.

- Collaborate with other functions (Operations, Marketing, Credit etc.) to ensure sales team gets the necessary support to develop and grow business and achieve targets.

- Generate leads through various activities - Seminars, Deployments, local engagement etc

- Resolving customer queries to help.

- Maximize performance of sales team by identifying training needs and ensure delivery of training takes place.

- Maintaining punctuality, discipline and high level of morality in tune with the ethics & values of Niyogin.

- Cost control

Job Responsibilities will also include :

- Financial assessment of SME clients and sourcing to be in line with the credit policy/norms.

- Assess the customers based on customer financial documents, FI report, Bureau reports (CIBIL, etc.) and Personal Discussion.

- Smartly figuring out customer's credential and perform tele-verification of the customer.

- Should conduct risk analysis and mitigation of risk at your level

- Ensure timely disbursals after loan sanction

- Periodic monitoring of customer and business and look for early warning signals

- Monitor the performance of the portfolio based on Non-Starters & Early Delinquency across sourcing channels, products, customer segments, etc.

- Resolve audit queries if any and to avoid same in future

- Recommend changes in existing policies and suggest new requirements as per market requirements and opportunities.

- Ensure adherence to KYC/AML screening requirements of the organization

- Ensure that there is no compromise on the Quality of Credit & maintain a heathy portfolio.