Andromeda Sales And Distribution P.L

Financial Sales Executive is a hybrid role that combines tele sales with field-based client acquisition. The primary objective is to drive revenue through a mix of new loan disbursements and comprehensive cross-selling. Key Responsibilities Retail Loan Acquisition : Proactively source leads and convert "suspects" into prospects for Home Loans (HL), Business Loans (BL), Personal Loans (PL), and Loan Against Property (LAP). Strategic Cross-Selling: Leverage the primary loan relationship to sell high-margin third-party products, specifically Life/General Insurance and Wealth/Investment products, to increase the "share of wallet". Phygital Sales Approach : Execute a combination of outbound telephone prospecting and physical field meetings for document collection, site visits, and eligibility profiling. Stakeholder Management: Collaborate with builders, brokers, and Direct Selling Agents (DSAs) to create a robust referral network. Portfolio Lifecycle Management: Maintain long-term relationships with clients to ensure repeat business and manage the end-to-end loan process from login to final disbursement. Required Skills & Qualifications (2025) Product Expertise: Deep knowledge of diverse retail loan products and associated cross-sell items like insurance policies and mutual funds. Negotiation & Persuasion: Ability to handle complex objections, especially in "LAP" or high-value business loans, to close deals against competitors. Educational Background: A Bachelors degree is standard, while an MBA or finance-specific certification is often preferred for wealth-focused roles. Performance Indicators (KPIs) Disbursement Volume : Monthly and quarterly targets for total loan value disbursed. Cross-Sell Ratio : Percentage of loan customers successfully converted for insurance or wealth products. Conversion Efficiency : Success rate of converting cold leads into active loan files (File-to-Disbursal conversion).