Job id : 43131
Sales Manager Personal Loan_Delhi
Sales Manager Personal Loan_Delhi
Delhi
2 years ago
50 Applied
JOB ID:43131
Job details
Job Type
Full Time
Functional Area
Sales/Business Development/Client Servicing
Industry
Banking/Financial Services/Insurance
Education
Other-Any
Experience Required
1 - 8 Yrs
Salary
6 - 8 Lakhs
Key Skills Required
sales
Other Skills Required
Languages
English
Job Description
Sales Manager Personal Loan_DelhiSales Growth & Client Acquisition
o Identify and execute sales growth opportunities at a local/ area level, driving channel expansion and new account acquisitiono Deliver on sales targets by building strong relationships in the DSA network and influencing DSA outcomeso Segment the market and identify potential direct clients, approach them and generate business through customized loan structure offerings that meet client requirements and also generate good margins for businesso Carry out regular meetings and sales calls with prospective clients on a regular basis to source businesso Augment the sales volumes of Unsecured lending, manage channel databases and tap them tactically to ensure healthy sales pipelineo Drive faster TATs through effective loan sanctioning by building strong relationships with internal stakeholders in order to expand channel presence and customer baseo Track and report on sales operations and productivity metrics, and work towards ... See More
o Identify and execute sales growth opportunities at a local/ area level, driving channel expansion and new account acquisitiono Deliver on sales targets by building strong relationships in the DSA network and influencing DSA outcomeso Segment the market and identify potential direct clients, approach them and generate business through customized loan structure offerings that meet client requirements and also generate good margins for businesso Carry out regular meetings and sales calls with prospective clients on a regular basis to source businesso Augment the sales volumes of Unsecured lending, manage channel databases and tap them tactically to ensure healthy sales pipelineo Drive faster TATs through effective loan sanctioning by building strong relationships with internal stakeholders in order to expand channel presence and customer baseo Track and report on sales operations and productivity metrics, and work towards ... See More
Sales Manager Personal Loan_DelhiSales Growth & Client Acquisition
o Identify and execute sales growth opportunities at a local/ area level, driving channel expansion and new account acquisitiono Deliver on sales targets by building strong relationships in the DSA network and influencing DSA outcomeso Segment the market and identify potential direct clients, approach them and generate business through customized loan structure offerings that meet client requirements and also generate good margins for businesso Carry out regular meetings and sales calls with prospective clients on a regular basis to source businesso Augment the sales volumes of Unsecured lending, manage channel databases and tap them tactically to ensure healthy sales pipelineo Drive faster TATs through effective loan sanctioning by building strong relationships with internal stakeholders in order to expand channel presence and customer baseo Track and report on sales operations and productivity metrics, and work towards building a high-performance sales cultureActively participate in initiatives and contests driven by Business Development teams
Operational Effectiveness
o Work with dual focus on sales volume and value (IRR)o Track & ensure SLA adherence, sales efficiencies and RoIo Adopt prescribed improvements in processes and best practices in order to enhance operational productivity and suggest improvements as wellAnalyze and communicate operational information periodically as per agreed timelines and MIS formats for disbursements, profits, NPAs, channel expansion, new product launches, new branches, new channel development, etc. and communicate to ZSM/ ASM as well as down the line
Distribution & Market Expansion
o Develop and strengthen distribution network through liaising and networking efforts considering product positioning and competitive pressureso Scan the market and its competitive offerings on a periodic basis; report on emerging trends and business opportunities for the unsecured segmentEngage with DSA channel network and execute the agreed touch point management system for faster customer connectivity and loan processing-disbursement; escalate issues appropriately for timely resolution
Customer Servicing & Relationship Management
o Coordinate with risk and operations teams to execute robust, customer friendly loan approval and booking processeso Recommend improvements to operating procedures and technological tools to enhance customer experience through reduced processing TATs while simultaneously ensuring complaint operationso Ensure customer queries/ complaints are addressed in a timely and effective manner and coordinate personally to expedite the sameLeverage close direct customer relationships to carry out post sanction surveillance and generate early warning signals on NPAs
Risk Management
o Execute compliant Sales Operations and work in line with risk management principles via coordination with Risk teamo Ensure closure of deal documentation and credit administration requirements, including opening of escrow accounts for receivables lending in line with regulatory and financial controls requirementso Support risk management by maintaining focus on prescribed guidelines and process checks at all stages of the unsecured loan transaction and raising potential alarm cases in advanceo Proactively identify and report risks in order to ensure portfolio quality is maintainedLiaise with the channel partners, customers and the risk team on specific escalation cases
Internal Stakeholder Management
o Partner with peer SMs to overcome challenges and support sales growth via effective channel management, customer acquisitionProactively build and maintain relationships with key internal stakeholders (E.g. Operations, Risk Management) for smooth and efficient transactions and issue resolution See Less
o Identify and execute sales growth opportunities at a local/ area level, driving channel expansion and new account acquisitiono Deliver on sales targets by building strong relationships in the DSA network and influencing DSA outcomeso Segment the market and identify potential direct clients, approach them and generate business through customized loan structure offerings that meet client requirements and also generate good margins for businesso Carry out regular meetings and sales calls with prospective clients on a regular basis to source businesso Augment the sales volumes of Unsecured lending, manage channel databases and tap them tactically to ensure healthy sales pipelineo Drive faster TATs through effective loan sanctioning by building strong relationships with internal stakeholders in order to expand channel presence and customer baseo Track and report on sales operations and productivity metrics, and work towards building a high-performance sales cultureActively participate in initiatives and contests driven by Business Development teams
Operational Effectiveness
o Work with dual focus on sales volume and value (IRR)o Track & ensure SLA adherence, sales efficiencies and RoIo Adopt prescribed improvements in processes and best practices in order to enhance operational productivity and suggest improvements as wellAnalyze and communicate operational information periodically as per agreed timelines and MIS formats for disbursements, profits, NPAs, channel expansion, new product launches, new branches, new channel development, etc. and communicate to ZSM/ ASM as well as down the line
Distribution & Market Expansion
o Develop and strengthen distribution network through liaising and networking efforts considering product positioning and competitive pressureso Scan the market and its competitive offerings on a periodic basis; report on emerging trends and business opportunities for the unsecured segmentEngage with DSA channel network and execute the agreed touch point management system for faster customer connectivity and loan processing-disbursement; escalate issues appropriately for timely resolution
Customer Servicing & Relationship Management
o Coordinate with risk and operations teams to execute robust, customer friendly loan approval and booking processeso Recommend improvements to operating procedures and technological tools to enhance customer experience through reduced processing TATs while simultaneously ensuring complaint operationso Ensure customer queries/ complaints are addressed in a timely and effective manner and coordinate personally to expedite the sameLeverage close direct customer relationships to carry out post sanction surveillance and generate early warning signals on NPAs
Risk Management
o Execute compliant Sales Operations and work in line with risk management principles via coordination with Risk teamo Ensure closure of deal documentation and credit administration requirements, including opening of escrow accounts for receivables lending in line with regulatory and financial controls requirementso Support risk management by maintaining focus on prescribed guidelines and process checks at all stages of the unsecured loan transaction and raising potential alarm cases in advanceo Proactively identify and report risks in order to ensure portfolio quality is maintainedLiaise with the channel partners, customers and the risk team on specific escalation cases
Internal Stakeholder Management
o Partner with peer SMs to overcome challenges and support sales growth via effective channel management, customer acquisitionProactively build and maintain relationships with key internal stakeholders (E.g. Operations, Risk Management) for smooth and efficient transactions and issue resolution See Less
Additional Information
Travel RequiredAbout Company
Aditya Birla Capital Limited (ABCL) is the holding company for the financial services businesses of the Aditya Birla Group.
ABCL’s subsidiaries have a strong presence across Protecting, Investing and Financing solutions, ABCL is a universal financial solutions group catering to diverse needs of its customers across their life stages. Powered by more than 20,000 employees, the subsidiaries of ABCL have a nationwide reach with 850+ branches and more than 2,00,000 agents / channel partners and several bank partners.
Aditya Birla Capital Limited is a part of the Aditya Birla Group, a US$ 48.3 billion Indian multinational, in the league of Fortune 500. Anchored by an extraordinary force of over 120,000 employees, belonging to 42 nationalities, the Aditya Birla Group operates in 36 countries across the globe.
Heritage and History:
Originally incorporated in October 2007 under the Companies Act 1956, Aditya Birla Financial Services Private Limited received the certificate of re... See More
Heritage and History:
Originally incorporated in October 2007 under the Companies Act 1956, Aditya Birla Financial Services Private Limited received the certificate of re... See More
Aditya Birla Capital Limited (ABCL) is the holding company for the financial services businesses of the Aditya Birla Group.
ABCL’s subsidiaries have a strong presence across Protecting, Investing and Financing solutions, ABCL is a universal financial solutions group catering to diverse needs of its customers across their life stages. Powered by more than 20,000 employees, the subsidiaries of ABCL have a nationwide reach with 850+ branches and more than 2,00,000 agents / channel partners and several bank partners.
Aditya Birla Capital Limited is a part of the Aditya Birla Group, a US$ 48.3 billion Indian multinational, in the league of Fortune 500. Anchored by an extraordinary force of over 120,000 employees, belonging to 42 nationalities, the Aditya Birla Group operates in 36 countries across the globe.
Heritage and History:
Originally incorporated in October 2007 under the Companies Act 1956, Aditya Birla Financial Services Private Limited received the certificate of registration from the Reserve Bank of India in May 2009 to commence the business as non-deposit taking NBFC. In December 2014, the company was converted from a private limited company to a public limited company, and was renamed as ‘Aditya Birla Financial Services Limited’. During past one decade since its incorporation, the Company has come a long way to become one of the largest financial services players in India. Year 2017 marks a milestone, with the Company becoming a pure play listed holding company of all the financial services businesses of the Aditya Birla Group. To mark this new phase in its journey, and in line with its new unified brand identity, the Company was rechristened as ‘Aditya Birla Capital Limited’ in June 2017. The synopsis of its journey over past 12 years from 2007-2019 is as follows:
Heritage and History:
Originally incorporated in October 2007 under the Companies Act 1956, Aditya Birla Financial Services Private Limited received the certificate of registration from the Reserve Bank of India in May 2009 to commence the business as non-deposit taking NBFC. In December 2014, the company was converted from a private limited company to a public limited company, and was renamed as ‘Aditya Birla Financial Services Limited’. During past one decade since its incorporation, the Company has come a long way to become one of the largest financial services players in India. Year 2017 marks a milestone, with the Company becoming a pure play listed holding company of all the financial services businesses of the Aditya Birla Group. To mark this new phase in its journey, and in line with its new unified brand identity, the Company was rechristened as ‘Aditya Birla Capital Limited’ in June 2017. The synopsis of its journey over past 12 years from 2007-2019 is as follows:
- From 5 business lines to a well diversified portfolio of 13 business lines
- Aggregate AUM1 has grown to Rs. 3,000 billion
- Lending book (including Housing Finance) has grown to Rs. 601 billion
- Aggregate2 revenues have grown to Rs. 115 billion
- From Investment phase to aggregate2 earnings before tax of Rs. 12.9 billion
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