RL

Area Sales Manager PL DSA CONSUMER LOANS, RETAIL LENDING

The Consumer Loan department is a part of Retail Lending business of the bank and offers Personal loans and Education Loans to all categories of customers Pan India.About the RoleThe role Area Sales Manager Personal Loan involves driving Personal Loan business through a team of Sales Managers, ensure growth in Book Size, maintain product level profitability, build a robust distribution, deliver on the new initiatives rolled out. It requires strategic planning and execution to boost revenue, grow the portfolio, and maintain risk and compliance.Details of the RoleDepartmentRetail LendingGradeM/SM/AVPSub-DepartmentRL- Consumer LoansReporting (Business)AVP/VPLocationMumbaiReporting (Matrix)Key ResponsibilitiesBusiness Goals & ProfitabilityResponsible for driving the P&L of Personal LoansPrepare the sales budget and execute strategies that enable achieving the targetPrepare Monthly, Quarterly, and Annual sales forecasts and be responsible for the Area sales target along with the growth and profitability of the portfolioAudit, Compliance, and Risk ManagementEnsure risk compliance through the completion of FCI and Internal Investigations observations, and repeat observations, ensuring timely and satisfactory closure.Be responsible for the quality of the business portfolio by closely working with Risk and Credit teams and ensuring RAC Audits.Sales and Channel DevelopmentDevelop and enhance new and existing channels of sales, such as DSAEnsure digital adoption (MLP) and scale up applications through digital journeysResponsible for Cross sell and Vas products penetration.Responsible of Channel activation.Responsible for Productivity of SM.Responsible for setting up right distribution span across area s and segments.Customer ExperienceOversee a fulfilling customer journey leading to customer delight and making the Bank the partner of choice.Increase customer retention and drive engagement across existing customers to improve Net Promoter Score, customer satisfaction.Responsible for FTR for his territory.Collaboration and People PrioritiesCollaborate with cross-functional partners to drive business resultsControl regrettable attrition across all grades to maintain a strong and motivated teamDrive various people agenda, including but not limited to, values, talent management, internal mobility, culture, learning and developmentsRole Requirements:QualificationGraduation/post-graduation from a recognized institute7+ sales experience (unsecured loans preferred) with at least 3-4 years in Personal loansRole ProficienciesStrong sales orientationProficiency in managing complex client relationships, diverse stakeholdersCapability to handle pressure and meet deadlinesSkill in managing large, geographically spread team; coaching and mentoring team membersCompetence in managing within a dynamic, priority-setting environmentStrong risk and compliance mindsetAdept at communication and interpersonal skills