Deputy Manager - Credit Cards - Partner 2

1. Zonal sales planning and review
Analyze and discuss the AOP targets assigned for the zones - Hyderabad and Pune
Cascade AOP targets for SAL PL to the team (RM, ASM) ensuring a fair distribution of targets, break down the annual target to a Daily Run Rate (DDR); Review performance with team on a periodical business and provide course correction inputs
Review the sales performance, target achievement etc. on a weekly basis with Supervisor
Monitor initial zero bucket cases to support efficient collection management; Oversee and provide support through team in resolution of first bounced cases by interacting with the customer

2. Sales management
Monitor the day to day sales performance including metrics such as DDR, dispatch, activities, etc.
Lead planning of activities to increase sales across the assigned locations; Guide the RSM to detail out the activity plans such as corporate park activity
Make visits to corporates and IT parks to get access to the premises and potential customers; Guide team to get required approvals
Oversee execution of free activities undertaken for group employees to enhance SALPL sales
Make visits to the locations to participate and oversee execution of planned activities to drive sales
Analyze and identify the low performing team members; Lead discussions to identify issues impeding performance and generate ideas to resolve issues

3. OMC Cards sales (Open Market Sourced for New to Bajaj customers)
On a daily basis track the achievement of cards sales per PSA and drive the PSA productivity on open market sourcing
Guide the team to plan and execute corporate activities to drive the sales of OMC cards
Lead efficient usage of the corporate database to cross sell OMC cards to customers
Engage with the Product team to resolve issues related to cards payments and mis-match of number of actual customer payments vs. Head Office MIS

4. Disbursement management
Review and provide rate approval for all customer cases put up by the Sales Manager based on the customer profile, segment wise (High, Medium, Low risk), etc. on a daily basis; Put up cases beyond DoA to the Supervisor for approval
Recommend special approval cases of re-appraisal, different tenures, higher loan amounts, etc. to the National Credit Manager with appropriate mitigants
Track and monitor dispatch i.e. loan disbursement on the following day to ensure technical issues are efficiently resolved; Coordinate with IT team as needed

5. Team management & development
Participate in recruitment process to identify the right talent at various positions within the team
Establish individual performance expectations and regularly review individual performance of the team
Identify and create development opportunities for team members to enhance functional knowledge
Coach and mentor the team to better perf

Required Qualifications and Experience
AND KNOWLEDGE
(Minimum acceptable proficiency for this job which best indicates the education and/or experience requirements of this job and not the incumbent)
Educational Qualifications
a) Qualifications
Post- graduation
b) Work Experience
Minimum 12 years of experience
Strong experience in in B2C sales in lending space