Sales Manager - Working Capital

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

1. Communication: Excellent verbal and written communications skills for interacting with team members and customers
2. Sales and negotiation: Strong negotiation skills to close deals and meet targets
3. Customer Service: Ensuring that the sales team provides excellent customer service and addresses customer inquiries and complaints effectively
4. 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 market
• Ensure key customer satisfaction through customer service of the highest quality
• Handle all end to end activities related to the product i.e. from Login to Disbursement
• Liaise with various departments within the system (Credit/Operations etc.) to ensure smooth process flows
• Responsible for acquisition of channel partners for sourcing products - Connectors
• Improve relationship with branches and monitor the performance of ARMs and deepen the relationship with existing clients
• Prevent/ minimize the fraudulent/risky proposals entry into the system
• Provide timely feedback to central team for improvements in product features and processes
• Conduct training on selling/product
• Create a performance oriented environment through effective team management, leading to high employee motivation and productivity

Qualifications

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.