Deputy Area 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

Educational Qualifications

a) Qualifications

• Post- graduation

b) Work Experience

• Minimum 12 years of experience
• Strong experience in in B2C sales in lending space