About the company
SBI Card is a leading pure-play credit card issuer in India, offering a wide range of credit cards to cater to diverse customer needs. We are constantly innovating to meet the evolving financial needs of our customers, empowering them with digital currency for seamless payment experience and indulge in rewarding benefits. At SBI Card, the motto 'Make Life Simple' inspires every initiative, ensuring that customer convenience is at the forefront of all that we do. We are committed to building an environment where people can thrive and create a better future for everyone.
SBI Card is proud to be an equal opportunity & inclusive employer and welcome employees without any discrimination on the grounds of race, color, gender, religion, creed, disability, sexual orientation, gender identity, marital status, caste etc. SBI Card is committed to fostering an inclusive and diverse workplace where all employees are treated equally with dignity and respect which makes it a promising place to work.
Join us to shape the future of digital payment in India and unlock your full potential.
What's in it for YOU
- SBI Card truly lives by the work-life balance philosophy. We offer a robust wellness and wellbeing program to support mental and physical health of our employees
- Admirable work deserves to be rewarded. We have a well curated bouquet of rewards and recognition program for the employees
- Dynamic, Inclusive and Diverse team culture
- Gender Neutral Policy
- Inclusive Health Benefits for all - Medical Insurance, Personal Accidental, Group Term Life Insurance and Annual Health Checkup, Dental and OPD benefits
- Commitment to the overall development of an employee through comprehensive learning & development framework
Role Purpose
RSM in Distribution Sales is responsible for sales of various SBI Card products in an assigned geography through one or more of the channels available (Open Market, Cobrand, Tele Sales, Digital and LG). The geography consists of group of cities / state and is managed through a large team of NFTEs being led by ASMs manning all distribution points available or the call center engaged in working on leads originating from various digital journeys. The team span under this role would be a group of ASMs and extended team of NFTEs comprising of Relationship Executives (RE), Team Leaders / Relationship Managers (TLs / RMs), Unit Managers and Back-end team. This role can be a first step into people leader roles and naturally becomes a controller of business growth, channel relationship manager and a trainer to onboard and prepare a strong team of front-line sales managers of SBI Cards. The role also doubles up as a vice captain to the head of zone (ZSM) when required.
Role Accountability
MOU Achievement
Deliver new accountsResponsible for sales of Premium Cards with segmented focus to build up portfolioCross-sell of various Insurance productsManaging the cost of acquisition target, review absolute cost across heads, increase people productivity for optimal cost utilizationEffectively coordinate with WE teams / PSA leads on NFTE hiring and monitor related attrition of people at all legs of the NFTE lifecycleDrive full digital journey penetration in sourcing including digital KYCClose monitoring of Sourcing Mix, Right product to be sold as per business directivesResponsible for driving a team of FTEs to achieve their KRAsSales Distribution Point Management - Organized, Unorganized
Drive manning of all available Point of Sales Distribution points across formats of Organized Retail in Open Market, Cobrand EcosystemQuality of man power (grooming standards) has to be as per the requirement of the Point of SaleEnsure diligent daily visit report (DVR) upload by ASMs in system better engagement with NFTERegular Visits to meet Cobrand Partners across products to improvise partner alignment to boost salesExtensive travel to locations, distribution points- identify new sourcing avenues in all formats of F2F sourcing under organized and unorganized channelsReview high cost, low productivity paid distribution points evaluate timely closure to save costHave a BCP always ready for high dependent distribution points, to avoid business interruption in case of any issuesTele Sales Centers
RSM managing a call center has prime responsibility to operate at high productivity, up-stream operational efficiency and high customer satisfactionNeed to ensure right allocation happens which involves allocating leads basis campaigns, product, headcount available, Re-churn logic for maximized outputData allocation happens on Dialer (predictive, preview) and manual dialsCapture correct disposition of all consented leads routed to call centers - derive in in-line strategy for high productivityDrive higher efficiencies on Sprint Leads- Assisted, Good Cost Save opportunityBuild strong analytical engine in respective centers, adequate data mining will help in high yield at an agent levelPace up fulfillment of within TAT, manage non caf locations doc executives with strong dedicated lead coordination teamRegular training interventions to be done, this will help zero mis-selling by the agent - building customer trust on the phones is criticalEnsure all company requirements, policies and processes are adhered as per satisfaction in both formats of Non F2F channels of Tele Sales & LGMaintain high standards of Governance Model in the centers to ensure no lapses on company's policies & proceduresLG Management
Fulfillment to be prioritized within TAT via E-VKYC, helps the partner get confidence & high trustLiase with LG RMs for enhancing productivity and output from all LGsOperations
Full blown backend processes are being run, helps manage quality of applications at dispatch, productivity of the shop gets reviewed at all levelsRegular meetings, communications being sent on relevant changes to avoid wastage in the funnel at all levelsSupervision Inflow, Processing, & Dispatch of ApplicationsDrive premium upsell from all backend shops to meet premium & 3k / 5k targetsClosely track inward rates of all customer segments, strengthen PRA in individual pockets for high standards process controls in the complete Sales FunnelLiaison with Ops team for Capturing & processing of ApplicationsSupervision on RTB level by ensuring the team is reviewed consistentlyInculcate the habit in team members to regularly analyse the declines & restart opportunities that existsManage fulfilment team of Lead Coordinators, Doc boys for all Non-CAF locations for desired outputHandholding & grooming new ASMs Maximize the delivery from the team through effective Planning, Monitoring, Giving Feedback and regular performance review
Team Management
Motivating ASM's to achieve their goals along with imparting adequate process and product knowledgeMonitoring NFTE teams performance & getting desired productivityEncouraging competition & Higher Goal Setting. Facilitating the same through Training, Coaching & leading by exampleExhibit strong team work and boundary less behavior while working with cross-functional teamsDriving team connect / review & training with regular and extensive travel in a widespread territoryEducating Team of Company Policies, Compliance Guidelines, DOs & DONTs on Regular IntervalsManpower Planning & PSA Management
Assessment of adequate manpower considering as per plan with the right mix of Sourcing / Non-SourcingEngaging with the PSA and WE team spocs for continuous hiring processEnsuring a positive environment is built in all location PSA offices to ensure the attrition levels are in check and teams perform to the desired levels of productivityManagement of Expenses of PSA Offices through coordination with PSA & WE DepartmentValidation of Cost & Ensuring Timely Payments Post ApprovalsReimbursement Management & Incentive Validation of NFTEsTraining
Management of trainers in Coordination with Area training ManagersEnsure Regular NHOs / Refreshers & Product based Training for increasing ProductivityDriving Key Initiatives & Projects of the Company
Digital Sourcing - Driving team to adopt all New Digital Initiatives of the company by ensuring quick transition of extended sales teams by facilitating adequate trainingsRE Digital Sourcing, key initiative being driven by all RSMs - helps with instant approval, reduces costRegular identification of cost saves opportunities and action, review consolidation for optimized cost benefit outputAdherence to Compliance
To ensure teams and processes comply with all regulatory and business compliance policies rolled out by WE and Compliance teamsMeasures of Success
Achievement Of MOU GoalsNew AccountsPremium AccountsInsurance Cross-SellCOA4MOB Attrition %Digital SourcingTeam target achievement% of ASMs achieving their goals% Conversion Of leadsInward to Soft approved % of all channelsStake Holder ManagementClose collaboration with WE, Operations, FCU, IT & Marketing teamsVOC From Partners across formats of operationsComplaints resolutionEffective complaint channelizing and resolution on escalations, ensure all complaints are addressed as per agreed SLA / TATComplianceEnsure sales compliance guidelines @ PSA level are adhered toTechnical Skills / Experience / Certifications
NA
Competencies critical to the role
Sales Management, Team Handling, Relationship Management, Analytical skills
Qualification
Graduate / PG (Preferably) from any recognized and reputed institute
Preferred Industry
BFSI / Telecom / Any retail sales FMCG, CD etc.