Sales Manger/ Office

Key Deliverables :

• Leads generation/Business development through Branches, CAs, DSAs and referrals from existing borrowers, current account holders etc.
• Processing of loan applications, conducting due diligence, site visits, ensure compliance of terms & conditions as per sanction terms, documentation etc.
• Assisting credit team through timely resolution of raised queries and sharing of information requested.
• Timely Convey sanction/reject decision to the customer, handover sanction/rejection letter and follow up for documentation.
• Documentation, disbursements, authorization of credit vouchers.
• Punching of new loan accounts in system Post disbursement credit related activities: receipt of title deed, creation of EM.
• Strong communication and interpersonal skills
• Cross sell of other asset/liabilities products, investment products to existing group of borrowers managed by the Sales Manager/Sales Officer.
• Achieve individual targets and grow account profitability, while maintaining a high standard and compliance

Activities :

• Regular Branch/Connector/DSA interaction for lead generation for Educational Institution customers and updates on the leads.
• Updating pipeline and conversion of leads generated by the branches
• Documentation pre-disbursement (Doc collection, legal & TSR, Valuation etc.) and post disbursement, including deferral closure
• Customer negotiation on interest rates, fees and other issues relating to charges
• Leveraging of cross-sell opportunities for customers in terms of Current Account/Term Deposits/Saving Deposits, Insurance, other Assets offering of the bank
• Co-ordination with credit for CAM approval, deferral waiver / extension & other customer requirements like Enhancements.
• Co-ordination with local Ops for disbursement of a case, submission of Stock Statement and other documents as applicable
• Housekeeping including CAM renewals, deferral closure, stock statements, insurance renewals, Plant visit, Site visit, ensure timely servicing of monthly interest/EMIs etc
• Stressed accounts / Exit account management, follow-up.

Requirements:

• Must have working experience in Bank/NBFCs with 2-10 years of experience along with MBA/CA qualification would be preferred.
• Fair understanding of Retail products of LAP upto Rs. 50.0 to Rs lakhs with prior experience of funding Educational Institutions; Working Capital experience preferred
• Experience of managing a portfolio of existing LAP and/or Working Capital credit relationships. The number of relationships managed would depend on the geography covered and branches mapped to the respective Sales Manager/Sales Officer.
• Substantial experience in the banking industry, including demonstrated success in a similar role.