Avp - Digital Credit Card Sales & Cross Sell

**Job Purpose**
- To drive sales for various products of the Payments Business viz., Credit Cards / Debit Cards / Pre-Paid Cards/ Fast Tag Cards / Merchant Acquisitions and all other allied products
- To actively participate and contribute in development and implementation of new sales processes for Credit Card issuance and other payment products.
- Assist and support in running digital campaigns to achieve the overall Sales Budget of 6 million Cards assigned for the year to the business.

Be instrumental in the design and Integration of Credit Card Cross Sell journeys into the Bank Smart App / Insta App for Liability A/c opening.

Ensuring the New To Bank segment is offered a Credit Card as per their eligibility at the very beginning of their banking relationship (A/c opening)

In-turn improving customer stickiness as well as their overall experience while increasing credit card sales numbers.

Achieve credit card sales target by increasing the percentage of credit card bundling at account opening stage. This position will closely work with Liability product, Retail Branch banking Seniors, AFU and CPA.
- Job involves driving the various channels / verticals for credit cards and various other allied products of Payments Business and meeting the overall Bank’s objective.
- It also involves driving the key parameters of “Activation & Penetration” in order to achieve the ultimate objective of “Higher Spends” & “Higher ENR” along with “Higher Market share” in line with the objective laid down by MD / Group head / FH & NSM. **Strategic Planning and Vision**:

- Explore New Markets & Customer Segments to maximize the Issuance opportunity.
- Devise Sales strategies that help optimize business performance and ensure execution of the same.
- Business Growth and Trend Analysis including Budgeting and Forecasting.
- Opportunity Scoping and Drive New Initiatives that help the overall Bank and the Business.
- Taking care of all the co-brand initiatives
- Long Term Planning to Achieve long term Business Growth.
- Drive P & L and Profitability on a sustainable basis.

Develop competent Sales policies, procedures and processes.
Sales Management**:

- Driving Key Business Objectives through the Credit Cards Sales and Alternate Channels digitally.
- To Achieve Fincon / Sales Budgets of Cards Issuance
- Review performance and Plan progress. Take corrective action wherever required.
- Plan Business Growth and Projections.
- SWOT Analysis and corrective action there-of

Build positive working relationship and culture with Alternate Channels and Stakeholders.
Cost Management and Cross-Sell**:

- COA management for the business
- To drive cross sell to manage the cost effectively
- Influencing Cards Activation and usage

Driving KO’s and other key initiatives
Sales Compliance and overall Quality of Business**:

- To ensure sales compliance at all the levels
- Feedback and action on findings
- Effective communication of process changes and implementation

Liaison with line and staff management for the necessary business requirement
Education**:

- MBAs from Reputed Colleges
- Graduates With at least 8 years of channel sales experience
- **
key Skills**:

- Sales and Influencing Skills
- Banking Product & Process Knowledge
- Planning and Organizing Skills
- Ability to multi-task
- Strong Analytical & Logical Reasoning

Strategic Planning and Vision
Major Stakeholders** **(intra team and cross functional stakeholders, who would need to be interacted with for discharging duties)
- Heads from Product / Underwriting / Risk / Debt Management / Customer Services / Portfolio teams/ Operations / Policy / HR.
- Liability Product Team and Seniors of Retail Branch Banking
- Product Heads of Payments Business

Other cross functional stake holders
- **Skills Required**:
Retail Branch Banking;Cross Selling;Liabilities;Credit Cards;Digital;Product sales;Current account;Saving account

**Location**

Mumbai

**Years Of Experience**

3 to 8 Years