RL - SBB:Sales Manager - Business Loan
4 weeks ago
Job Description
About Retail Lending:
The Retail Lending department focuses on the lending business of the bank by offering various loan products like Home Loans, Car Loans, and Personal Loans among others. They also offer working capital loans and Business loans for Small Businesses and is also responsible for the Rural lending business of the bank.
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
Key Skills:
1. Communication: Excellent verbal and written communications skills for interacting with team members and customers
2. Sales and negotiation: Strong negotiation skills to close deals and meet targets
3. Customer Service: Ensuring that the sales team provides excellent customer service and addresses customer inquiries and complaints effectively
4. Problem Solving: Identifying issues and developing effective solutions to overcame obstacles
Key Responsibilities:
- Ensure achievement of the Top line Business Targets by sourcing business through channel teams (ASL, DSA), building and nurturing relationships with the bank branches and by cross-selling other products
- Conduct sales promotion activities through DSA and Sales Executives in open market and improve relationships through expos and events, various activities etc.
- Responsible for launching new products in market
- Ensure key customer satisfaction through customer service of the highest quality
- Handle all end to end activities related to the product i.e. from Login to Disbursement
- Liaise with various departments within the system (Credit/Operations etc.) to ensure smooth process flows
- Responsible for acquisition of channel partners for sourcing products - Connectors, DSAs etc.
- Improve relationship with branches and monitor the performance of ARMs and deepen the relationship with existing clients
- Prevent/ minimize the fraudulent/risky proposals entry into the system
- Provide timely feedback to central team for improvements in product features and processes
- Conduct training for Sales executives and Direct Selling Agents (DSA) on selling/product
- Create a performance oriented environment through effective team management, leading to high employee motivation and productivity
Qualifications:
Optimal qualification for success on the job is:
- Graduation/ Post-Graduation from a recognized institute
Role Proficiencies:
For successful execution of the job, the candidate should possess the following:
- Good communication (both verbal and written) skill in both English and the local language
- Excellent lead generation and conversion skill
- Ability to handle pressure and meet deadlines
- High sales orientation to meet the sales targets consistently
- Ability to manage complex client situations
- Ability to coach and mentor others.
- Ability to manage risk and uncertainty for self and team within a dynamic priority-setting environment.
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