| About the Business Group: |
| The Consumer Loan department is a part of Retail Lending business of the bank andoffers Personal loans and Education Loans to all categories of customers Pan India. |
| About the Role: |
| The role Area Sales Manager - Personal Loan involves driving Personal Loan business through a team of Sales Managers, ensure growth in Book Size, maintain product level profitability, build a robust distribution, deliver on the new initiatives rolled out. It requires strategic planning and execution to boost revenue, grow the portfolio, and maintain risk and compliance. |
| Details of the Role: |
| Department | Retail Lending | Grade | M/SM/AVP |
| Sub-Department | RL- Consumer Loans | Reporting (Business) | AVP/VP |
| Location | Mumbai | Reporting (Matrix) | |
| Key Responsibilities: |
- Business Goals & Profitability
- Responsible for driving the P&L of Personal Loans
- Prepare the sales budget and execute strategies that enable achieving the target
- Prepare Monthly, Quarterly, and Annual sales forecasts and be responsible for the Area sales target along with the growth and profitability of the portfolio
- Audit, Compliance, and Risk Management
- Ensure risk compliance through the completion of FCI and Internal Investigations observations, and repeat observations, ensuring timely and satisfactory closure.
- Be responsible for the quality of the business portfolio by closely working with Risk and Credit teams and ensuring RAC Audits.
- Sales and Channel Development
- Develop and enhance new and existing channels of sales, such as Connectors, AVC, and Branch.
- Ensure Siddhi adoption and usage.
- Ensure digital adoption (MLP) and scale up applications through digital journeys
- Responsible for Cross sell and Vas products penetration.
- Responsible of Resource activation.
- Responsible for Productivity of SM and RO.
- Responsible for setting up right distribution span across area's and segments.
- Customer Experience
- Oversee a fulfilling customer journey leading to customer delight and making the Bank the partner of choice.
- Increase customer retention and drive engagement across existing customers to improve Net Promoter Score, customer satisfaction.
- Responsible for FTR for his territory.
- Collaboration and People Priorities
- Collaborate with cross-functional partners to drive business results
- Control regrettable attrition across all grades to maintain a strong and motivated team
- Drive various people agenda, including but not limited to, values, talent management, internal mobility, culture, learning and developments
|
| Role Requirements: |
Qualification: - Graduation/post-graduation from a recognized institute
- 7+ sales experience (unsecured loans preferred) with at least 3-4 years in Personal loans
|
| Role Proficiencies: |
- Strong sales orientation
- Proficiency in managing complex client relationships, diverse stakeholders
- Capability to handle pressure and meet deadlines
- Skill in managing large, geographically spread team coaching and mentoring team members
- Competence in managing within a dynamic, priority-setting environment
- Strong risk and compliance mindset
- Adept at communication and interpersonal skills
|
