Sales Manager Credit Cards, Bangalore


Sales Manager Credit Cards

Any Graduate

sales- credit card- banking

Job Purpose

  • To Achieve Fincon budget of Branches assigned, along with the desired activation rate.

  • To drive credit cards sourcing through Digital route.

  • Drive Productivity, manage costs of acquisition and ensure compliant sourcing processes

  • Build and nurture relationships with the branch managers, PB, Relationship Managers and key employees for Lead generation

  • To coach, mentor and motivate the team to enhance productivity, conduct training and refresher sessions

  • To drive X Sell like Smart Pay, GHI, Forex, Card for sure, One Assist, Standing Instruction on Debit Card and Debit Card upgrades, Smart-Hub App.

  • Adherence to laid down sales processes

  • “Right Card To Right Customer” approach by upgrading existing card to ensure increased usage and spends

  • Cross Sell to existing carded customers to ensure higher activation and usage.

 

 

Job Responsibilities(JR) : 6 – 8 Areas

Actionable (4-6)

To Achieve card Fincon Target of Branches Assigned

  • Build relationship with Branch resources/staff

  • Proper training of Card features to branch staff

  • Proper Training to branch staff on STP mode of card issuance

  • Regular MIS sharing with RBB on branch wise achievement –MTD/YTD

  • Regular MIS sharing with RBB on branch resource level status on LG AND LC

  • Periodic planned visits to branches managed for discussion on MTD/YTD achievement, LG & LC discussion, Card activation level, discussion on card

Opportunity for pushing WL clients, to be planned and reviewed through the tool of COGENT

  • Proper communication of Income generation through Card issuance

  • To drive X sell

  • Driving all X sell parameters like Smart pay ( Excl pre-paid), Add-on, Forex card , Card for Sure, GHI, one Assist, Loan on cards (Jumbo/Insta/SmartEmi) Standing instruction on debit card

  • SMARTHUB APP is a core X sell objective to be sold to all Business card/Self-employed customers.

  • Opening CASA account for all Open market and through In-house client reference.

  • Selling other bank Assets product like Consumer Durables Loans, PL, BL, Auto Loan, TW loan etc.

 

  • BDR hiring & Mentoring

 

  • Interviewing and shortlisting right candidates for the role of BDRs

  • To ensure proper and Timely hiring basis the budget available

  • To Coach the BDR team on product & process

  • To motivate and mentor the team for improving productivity

  • To conduct timely training and repeated refresher sessions.

  • Ensure timely updation of PLP changes are communicated to BDR team and explained on same.

 

  • Adherence to laid down sales process

 

  • Mandate visit to branches managed for discussion on MTD/YTD achievement, LG & LC discussion, Card activation level, discussion on card Opportunity for pushing WL clients.

  • Cogent process to be followed and timely updating visits and discussion for all branches managed every month.

  • Timely updating CRM/DAP leads and tracking to ensure TAT is maintained

  • Timely updating of trigger leads

  • Adherence of curing process for NON TASU curable

  • Timely spot audits to be conducted of BDRs to check the hygiene among teams

  • Timely response to QIG complaints and queries

 

 

  • Right Card to Right Customers

 

  • Cross sell on existing Carded clients to ensure higher activation and usage

 

 

 

 

 

 

Educational Qualifications

 

 

Key Skills

 

  • Graduation:

  • Post-Graduation/MBA

 

 

  • Sales and Influencing Skills

  • Banking Product & Process Knowledge

  • NRI Product and Regulatory Knowledge

  • Planning and Organizing Skills

  • Communication

  • Knowledge of Competition & Current trends in financial Industry.

Experience Required

  • Minimum experience of 2-4 years in sales & relationship management.

  • Preferred from Banking / Telecom / FMCG / Financial Services.

 

 

Major Stakeholders

 

  • Customers

  • Branch Banking Team

  • Asset verticals

  • Operations/CPA

  • Treasury

  • Product team of Payment teams

  • AFU

  • Other Cross sell functional stake holders.

 

 

 

EDUCATIONAL QUALIFICATION Any Graduate

CTC Range - 6 lkh ~ 6 lkh

Job location - Bangalore