Relationship Manager- Sales

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).