Cluster Manager-Credit Cards

As a Cluster Manager - Credit Cards in the Retail Banking department focusing on Credit Cards - Retail Assets, your primary role will involve managing a team of Sales Managers, Relationship Managers, Sales Officers, and Sales Backend personnel across designated geographies within the assigned zone. Your key responsibilities include driving sales, cost management, and achieving product mix targets to establish a significant customer base for credit card products. You will be responsible for implementing the distribution plan in various geographies, overseeing a team of Managers and sales resources at Regional, State, and City levels, and managing diverse acquisition channels to optimize distribution coverage effectively. Additionally, you will be accountable for ensuring adherence to quality parameters to enhance approval rates, first-time resolution, turnaround time, and overall processes. Another crucial aspect of your role will involve spearheading the implementation of regulatory and legal compliance frameworks while fostering a culture of fairness and accuracy at all customer touchpoints and within the business team. You will also be tasked with promoting collaboration with internal stakeholders from Product, Credit, Policy, IT, and Operations departments to devise and execute implementation plans across customer acquisition channels. As part of your secondary responsibilities, you will evaluate growth strategies based on competitor analysis and feedback from various channels and customers, and recommend process enhancements to boost sales efficiency and quality across customer acquisition points and channels. In terms of managerial and leadership responsibilities, you are expected to mentor and coach sales team members to instill values of customer-centricity, innovation, compliance, and integrity within the region or city. Monitoring key performance indicators related to employee productivity, recruitment quality, attrition rates, and implementing necessary improvements will also be essential in your role. Key success metrics that will define your performance include Sales Force Productivity, Channel Productivity, Cost Management, Service Complaints, and Attrition numbers. Furthermore, the effectiveness of your communication with team members, channel partners, and internal businesses will play a vital role in achieving the desired outcomes.,