Sales Manager - Business Loans

Job Role And Responsibilities

• Ensure stability of income from existing set of clients and explore avenues for new income generation from existing as well as new clients
• Add value to the client and stay ahead of the competition by structuring and implementing innovative deals in working capital, term loan and project finance
• Use credit knowledge and knowledge of various products for deal structuring
• Add value to the client and stay ahead of the competition by structuring and implementing innovative deals
• Maintain relationships with business banking to originate business
• Manage relationship with the customers by increasing the book size
• Manage trade finance, general blog operation for cash management services i.e., working capital cycle of the company
  

Deliverables

• Acquire and maintain business loans clients for the organisation
• Perform various financing activities as per the customer's requirement
• Achieve individual targets and grow account profitability, while maintaining a high service standard and compliance
  

Product/Customer Handled

• Working capital, Term loan, Project finance, Unsecured Business Loans
• Retail business loans clients up to 20 cr portfolio size
  

Skills And Competencies

• Ability to negotiate deals, along with the ability to interact with people at various levels of the organization and outside environment
• Strong sales and relationship management skills
• Ability to identifying key issues in complex problems/ assignments and analyze those to make effective decisions
• Ability to have a firm grasp of the processes and make changes in system to improve performance
• Credit Knowledge: To assess the company's financials (i.e. loss, rating, PAT (profit after tax) etc. of the company)
  

Educational Qualifications

• Post Graduate preferred with 3-5 Years of relevant work experience.
• Prior experience in channel management for similar product