RL - Consumers:Sales Manager - Personal Loan - DSA
3 weeks ago
Job Description
Sales Manager PL DSA - 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 DSA
- Ensure digital adoption (MLP) and scale up applications through digital journeys
- Responsible for Cross sell and Vas products penetration.
- Responsible of Channel activation.
- Responsible for setting up right distribution span across area's 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
- Strong risk and compliance mindset
- Adept at communication and interpersonal skills
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