Sales Manager Credit Cards, Bangalore

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.