Sm-business & Prepaid Credit Cards

**3 - 8 years**:
**Any Graduate**:
**Cards
- Channel Sales**:
**6 lkh ~ 7 lkh**:
**Job Name - PA (Business Unit): Business & Prepaid Sales Manager - Payment Business**

**Job Title **:Sales Mgr. SM-Business & Prepaid

**Business Unit (PA) : Business Cards**

**Team : (Sub team in the PA) Sales Payment Business Cards - Retail**

**Reports to (job)**:Area Head /ZH-Business Cards-Pymt Business**

**Location of role : Pan India**

**Job Fn : Sales
**Role Type** **:Supervisory Role**

**No of direct repartees: 10**

**Travel Required: Yes, **Extensive within the city in Metro and outside the base location in Upcountry.

**Job Band Range:
**JD Created date: 06-05-2021**

**JD Updated date**:
**JD approved by (business):
**Version No **:1.0

**Job Purpose**
- To Achieve Fincon budget of Branches assigned, along with the desired activation rate.
- To drive Business Credit cards sourcing through Digital route/**Inhouse/Open Market.**:

- Drive Productivity, manage costs of acquisition and ensure compliant sourcing processes
- Build and nurture relationships with the branch managers, PB, Relationship Managers and key employees for Lead generation
- To coach, mentor and motivate the team to enhance productivity, conduct training and refresher sessions.
- To drive X Sell like Smart Pay, INR Prepaid Cards, FASTag, GHI, Forex, Standing Instruction on Debit Card and Debit Card upgrades, Smart-Hub App etc.
- Adherence to laid down sales processes
- “Right Card To Right Customer” approach by upgrading existing card to ensure increased usage and spends
- Cross Sell to existing carded customers to ensure higher activation and usage.

**Job Responsibilities(JR) : 6 - 8 Areas
**Actionable (4-6)**

To Achieve card Fincon Target of Branches Assigned
- Build relationship with Branch resources/staff
- Proper training of Card features to branch staff
- Proper Training to branch staff on DAP mode of card issuance
- Regular MIS sharing with RBB on branch wise achievement -MTD/YTD
- Regular MIS sharing with RBB on branch resource level status on LG AND LC
- Periodic planned visits to branches managed for discussion on MTD/YTD achievement, LG & LC discussion, Card activation level, discussion on card

Opportunity for pushing WL clients, to be planned and reviewed through the tool of COGENT
- Proper communication of Income generation through Card issuance
- To drive X sell
- Driving all X sell parameters like Smart pay ( Excl pre-paid), Add-on, Forex card, GHI, one Assist, Loan on cards (Jumbo/Insta/SmartEmi) Standing instruction on debit card
- SMARTHUB APP is a core X sell objective to be sold to all Business card/Self-employed customers.
- Opening CASA account for all Open market and through In-house client reference.
- Selling other bank Assets product like Consumer Durables Loans, PL, BL, Auto Loan, TW loan etc.
- BDR hiring & Mentoring
- To ensure proper and Timely hiring basis the budget available
- To Coach the BDR team on product & process
- To motivate and mentor the team for improving productivity
- To conduct timely training and repeated refresher sessions.
- Ensure timely updation of PLP changes are communicated to BDR team and explained on same.
- Adherence to laid down sales process
- Mandate visit to branches managed for discussion on MTD/YTD achievement, LG & LC discussion, Card activation level, discussion on card Opportunity for pushing WL clients.
- Cogent process to be followed and timely updating visits and discussion for all branches managed every month.
- Timely updating CRM/DAP leads and tracking to ensure TAT is maintained
- Timely updating of trigger leads
- Adherence of curing process for NON TASU curable
- Timely spot audits to be conducted of BDRs to check the hygiene among teams
- Timely response to QIG complaints and queries
- Right Card to Right Customers
- Cross sell on existing Carded clients to ensure higher activation and usage

**Educational Qualifications**

**Key Skills**
- **Graduation**:

- **Post-Graduation/MBA**
- **Sales and Influencing Skills**:

- **Banking Product & Process Knowledge**:

- **NRI Product and Regulatory Knowledge**:

- **Planning and Organizing Skills**:

- **Communication**:

- **Knowledge of Competition & Current trends in financial Industry.**

**Experience Required**
- **Minimum experience of 2-4 years in sales & relationship management.**:

- **Preferred from Banking / TelecoM/FMCG / Financial Services.**

**Major Stakeholders**
- **Customers**
- **Branch Banking Team**:

- **Asset verticals**:

- **Operations/CPA**:

- **Treasury**:

- **Product team of Payment teams**:

- **AFU**:

- **Other Cross sell functional stake holders.