Affluent Banking:partner

**Bharat Banking : Sales Manager
- Nano Business**

**INTERNAL USAGE**:
**No. of Vacancies**:
**Reports to**:

- Head
- Bharat Enterprise and New Initiative**Is a Team leader?**
- Y**Team Size**:

- NA**Grade**:

- DM/M**Business**:

- Bharat Banking**Department**:- Bharat Enterprise**Sub**-**Department**:

- Nano Business**Location**:

- Mumbai**About Bharat Bank**

The increasing income diversification, evolution of the tech stack, various government schemes to improve livelihoods, and integrating the country via roads and the internet have provided strong tailwinds to the rural and semi urban (RUSU) or
- Bharat
- markets.To better capitalize on the growth runway and
- open the world of possibilities
- for the Bharat customer, the bank has set up a separate
- Bharat Bank
- vertical. It is an amalgamation of products and geography, handling certain core products across the country and all the products in the RUSU branches.

The objective is to accelerate the growth journey by expanding distribution reach via branches, partnerships, and digital presence, creating tailored products and processes, and using the One Axis strategy to harness synergies in all parts of the Bank to deliver to the Bharat customer.
- The Bank also continues to focus on growing the book profitably by enhancing productivity, improving operational efficiency to reduce cost, and containing risk by leveraging technology such as AI and ML & rigorous portfolio monitoring**About** **the** **Role**
- The Sales Manager is responsible for leading the team of Sales officers at assigned branches for Nano Business loan. _
- The Role is expected to manage the team efficiently to achieve the disbursement, collection and portfolio management targets as per defined parameters of the bank. The role will be taking care of 1-2 districts of state based on the portfolio size_



_

**Key Responsibilities**
- _Handling sales target for the secured and unsecured loan products for Nano business focused in semi urban and rural area_
- _Train the team for loans products and other banking products for cross sale opportunity_
- _Tracking and improving manpower productivity_
- _Managing collection efficiency to ensure nil flows from bucket X_
- _Managing early delinquencies to ensure portfolio is healthy and there are no nonstarter cases_
- _Customers assessment by visiting business place, residence place and security proposed for cases as per banks policy_
- _Periodic visits of customers and cross checking of sourcing quality/ loan utilization_
- _Managing PDD and audit queries and ensure submission within time_
- _Keeping regular track of competition and reporting new products/market development_
- _Managing relationship with customer and act as first point of contact for any issues if not resolved by RE._
- _Adhering to the banks policies and ensuring compliance of the same._
- _Should have valid two wheeler driving licenses, two wheeler and Smart phone (preferably android9/IOS 9 and above)_

**Qualifications**
- Optimal qualification for success on the job is:_
- _Education: Graduation/Post Graduation_
- _Maximum Age: 32 Years_
- _Experience: 3-7 Years of experience in sales in Bank or NBFC for
- Nano/Micro Business Loans/ Small ticket LAP/ Self-employed PL/ AHL_
- _Good understanding of Micro/Small unsecured business loan, Affordable housing or Small ticket LAP_

**Role Proficiencies**:

- **_Knowledge _**
- 1._ _Good knowledge of field level operations and systems_
- 2._ _Experience in assessed business income is must. _
- 3._ _Should have knowledge on _
- o _Basic knowledge of credit bureau check_
- o _Banking assessment_
- o _Repayment record assessment_
- o _Understanding of local market practices with regard to legal and valuation of property_
- o _Good knowledge of local area and financial/ economic conditions_
- **_Skills _**
- 1._ _Strong leadership skills_
- 2._ _Good communication (both verbal & written) and inter-personal skills_
- 3._ _Good team management skills_
- _
- **_Abilities _**
- 1._ _Ability to work effectively across functions and demonstrated ability to coach and mentor others_
- 2._ _Ability to manage risk and uncertainty for self and team within a dynamic priority-setting environment_
- 3._ _Ability to prioritize and make decisions in a fast-paced environment_
- 4._ _Ability to work as a part of team and contribute towards team goals_
- 5._ _Ability to travel minimum 15- 20 days a month_

**About** **Axis**
- Incorporated in 1994, Axis Bank is one of India
- s most trusted banks & the third largest in the private sector. At Axis Bank, customer centricity has always been the foundation of our business. Our efforts to address the requirements of a diverse customer cross-section are powered by robust infrastructure, advanced technology, a comprehensive monitoring & control framework & a large talent pool.- The Bank has a young & engaged workforce of over 100,000 employees, with an average age of 30 years. We are an equal opportunity em