About Retail Lending
The Retail Lending department focuses on the lending business of the bank by offering various loan products like Home Loans, Car Loans and Personal Loans among others. They also offer working capital loans and Business loans for Small Businesses and is also responsible for the Rural lending business of the bank.
About the Role
Sales Managers (SM) are a part of the Bank's sales force whose primary responsibility is to get customers for the bank and explore new business opportunities. SMs manage a team of executives responsible for selling loan products to the customers based on their needs. They will ensure mapping of market and customers according to their need and handle queries to ensure customer satisfaction.
Key Skills
- Communication : Excellent verbal and written communications skills for interacting with team members and customers
- Sales and negotiation : Strong negotiation skills to close deals and meet targets
- Customer Service : Ensuring that the sales team provides excellent customer service and addresses customer inquiries and complaints effectively
- Problem Solving : Identifying issues and developing effective solutions to overcame obstacles
Ensure achievement of the Top line Business Targets by sourcing business through channel teams. Building and nurturing relationships with the bank branches and by cross-selling other products
Key Responsibilities
Conduct sales promotion activities in open market and improve relationships through expos and events, various activities etc.Responsible for launching new products in marketEnsure key customer satisfaction through customer service of the highest qualityHandle all end to end activities related to the product i.e. from Login to DisbursementLiaise with various departments within the system (Credit / Operations etc.) to ensure smooth process flowsResponsible for acquisition of channel partners for sourcing products - ConnectorsImprove relationship with branches and monitor the performance of ARMs and deepen the relationship with existing clientsPrevent / minimize the fraudulent / risky proposals entry into the systemProvide timely feedback to central team for improvements in product features and processesConduct training on selling / productCreate a performance oriented environment through effective team management, leading to high employee motivation and productivityQualifications
Optimal qualification for success on the job is :
Graduation / Post-Graduation from a recognized institute
Role Proficiencies :
For successful execution of the job, the candidate should possess the following :
.Good communication (both verbal and written) skill in both English and the local language. Excellent lead generation and conversion skill. High sales orientation to meet the sales targets consistently. Ability to manage complex client situations. Ability to coach and mentor others. Ability to manage risk and uncertainty for self and team within a dynamic priority-setting environment.Skills Required
Refer to the Job Description