RL - Consumers:Area Sales Manager - Personal Loan - Branch

Job Description

Area Sales Manager PL Branch - CONSUMER LOANS, RETAIL LENDING

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

Location Mumbai Reporting (Matrix)

• 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

Qualification:

• Graduation/post-graduation from a recognized institute
• 7+ sales experience (unsecured loans preferred) with at least 3-4 years in Personal loans

• 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