RL - Consumers:Sales Manager - Education Loan

Sales Manager Education Loan 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 RoleSales Managers (SM) are a part of the Banks sales force whose primary responsibility is to get customers for the bank and explore new business opportunities. SMs manage a team of executives responsible for selling loan products to the customers based on their needs. They will ensure mapping of market and customers according to their need and handle queries to ensure customer satisfaction. It requires strategic planning and execution to boost revenue, grow the portfolio, and maintain risk and compliance.Details of the RoleDepartmentRetail LendingGradeDM/MSub-DepartmentRL- Consumer LoansReporting (Business)SM/AVPLocationMumbaiReporting (Matrix)Key ResponsibilitiesBusiness Goals & ProfitabilityResponsible for driving the P&L of Education LoansPrepare the sales budget and execute strategies that enable achieving the targetPrepare Monthly, Quarterly, and Annual sales forecasts and be responsible for the 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 Connectors, AVC, and Branch.Ensure Siddhi adoption and usage.Ensure digital adoption (MLP) and scale up applications through digital journeysResponsible for Cross sell and Vas products penetration.Responsible of Resource activation.Responsible for Productivity of RO.Responsible for setting up right distribution span across areas 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 institute4+ sales experience (unsecured loans preferred)Role 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