Sales Manager - OD & Working Capital

Job Description

Job Purpose To run initiatives in line with key objectives of the Business in order to attain the banks objective of business leadership. Key Responsibility Areas : Branch Management Plan the branch visits detailing the coverage every week Meeting the branches during the morning meeting - every branch once a month Scoping the RM/PB customer for lead/joint calls OR make use of available resources in the branch for leads/joint calls Planning the catchment area activity/scoping for lead generation/joint call Ensure RM/PB activation from the activities above and review of branch performance/resource wise performance/review with CH as and when required. Creating excitement in branches/spot sanctions/contests/recognition program Check CRM daily and review the leads/update follow up leads/with dates 8 Document branch meeting through Cogent/mails Lead generation/logins Planning the above so that it translates into 2 calls per day/2 appointments per day Send the communication to the customer on documents required Follow up the on the calls made for documents/arrange for pickup of documents Check for completeness of documents Go through the Financials/bank statements for churn/bounces/interest servicing as per product KYCs Cross Selling To be the one-stop shop for each of our Express OD clients and provide suitable gamut of financial products such as Insurance, CASA, Credit Cards, Other Assets Products as required by the customer. Monitor and track Leads. Renewals Work on the renewals in advance for customers who are not getting auto renewed Mail to the respective customers on docs required for renewal Follow up weekly twice for docs Arrange for collection of documents Check the documents for completeness Study the financials/bank statements/churn/interest servicing/aberrations from the stated nos as per product requirement Speak to the customer for addressing issues/aberrations For renewals overdue and having genuine delay put up for extensions Churn into WC account Post disbursement ensure that all business churn comes to HDFC bank account If OBA waiver required/check for justification/check for churn/put up to the authority If not inform the customer on closure of OBA/levy of 2% penalty Call Memos Express OD Monitoring to happen basis central triggers, customers falling in triggers and if not contacted virually to be met by RM as required frequency. Delinquency management Depending upon severity of each case - Customer Call for servicing Interest. Email communication to Branch & customer Personal Visit to Customer / Joint Visit with Credit Manager; Rigorous follow-up Complaints : CRM / MD / PNO / CRO Analyze complaint Seek resolution post discussing with Customer Educational Qualifications Key Skills