Sales Manager-Business Loans-DSA
The purpose of this job is:
- To deliver on area/ local strategy for the Unsecured Business segment in terms of target segments, strengthening existing relationships and setting up new channels for market penetration, and work towards achievement of sales targets and operational plans.
- To proactively address customer/ DSA issues and escalate cases (e.g. fraud alerts, customer complaints or exception handling) as required for smooth operations; work on removal of bottlenecks for the achievement of targets for Unsecured Business segment at the area/ local level
- To grow the penetration of the business by actively partnering, negotiating and building relationships with the DSA network
- To take ownership for end to end Unsecured business transactions in assigned area of coverage ensuring efficient internal operations
- To execute superior product delivery and ensure credit quality of new acquisitions with compliant sales operations & coordination with Risk team
Key Result Areas:
Sales Growth & Client Acquisition
- Identify and execute sales growth opportunities at a local/ area level, driving channel expansion and new account acquisition
- Deliver on sales targets by building strong relationships in the DSA network and influencing DSA outcomes
- Segment the market and identify potential direct clients, approach them and generate business through customized loan structure offerings that meet client requirements and also generate good margins for business
- Carry out regular meetings and sales calls with prospective clients on a regular basis to source business
- Augment the sales volumes of Unsecured lending, manage channel databases and tap them tactically to ensure healthy sales pipeline
- Drive faster TATs through effective loan sanctioning by building strong relationships with internal stakeholders in order to expand channel presence and customer base
- Track and report on sales operations and productivity metrics, and work towards building a high-performance sales culture Actively participate in initiatives and contests driven by Business Development teams
Operational Effectiveness
- Work with dual focus on sales volume and value (IRR)
- Track & ensure SLA adherence, sales efficiencies and RoI
- Adopt prescribed improvements in processes and best practices in order to enhance operational productivity and suggest improvements as well Analyze and communicate operational information periodically as per agreed timelines and MIS formats for disbursements, profits, NPAs, channel expansion, new product launches, new branches, new channel development, etc. and communicate to ZSM/ ASM as well as down the line
