Rl - Consumers:area Sales Manager - Personal Loan - Dsa

Area 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 and offers Personal loans and Education Loans to all categories of customers Pan India About the Role The role Area Sales Manager - Personal Loan involves driving Personal Loan business through a team of Sales Managers ensure growth in Book Size maintain product level profitability build a robust distribution deliver on the new initiatives rolled out 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 M SM AVP Sub-Department RL- Consumer Loans Reporting Business AVP VP 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 Area 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 Productivity of SM 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 7 sales experience unsecured loans preferred with at least 3-4 years in Personal loans 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 Skills Refer to the About Company Axis Bank is the third largest private sector bank in India The Bank offers the entire spectrum of financial services to customer segments covering Large and Mid-Corporates MSME Agriculture and Retail Businesses The Bank has a large footprint of 4 594 domestic branches including extension counters with 11 333 ATMs 5 710 cash recyclers spread across the country as on 31st March 2021 The Bank has 6 Virtual Centres and has over 1500 Virtual Relationship Managers as on 31st March 2021 The Overseas operations of the Bank are spread over eight international offices with branches at Singapore Dubai at DIFC and Gift City-IBU representative offices at Dhaka Dubai Abu Dhabi Sharjah and an Overseas subsidiary at London UK The international offices focus on Corporate Lending Trade Finance Syndication Investment Banking and Liability Businesses