Sales Manager/Officer

1 day ago

Salem Thanjavur Thiruvallur, India Equitas Small Finance Bank Full time ₹ 5,00,000 - ₹ 10,00,000 per year

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.

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