Job id : 43129
Sales Manager Small Ticker Unsecured Loan
Sales Manager Small Ticker Unsecured Loan
Kolkata
2 years ago
JOB ID:43129
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
Business growth through Channel Management-Effectively grow and manage different types of channel partners to ensure meeting of topline & bottom line targetsChannel types1. Direct Sales Agents2. Online aggregators3. Internal sources that provide qualified leads like marketing department
· Research to scout for potential channel partners· Gather data for evaluation of potential channel partners· Meet & support the negotiation of terms of engagement with potential in lines with business potential· Support in the onboarding of the channel partners· Constantly engage with & activate channel partners while ensuring targeted ROEs for the channel partners· Monitor SLAs, sales efficiencies and ROI of channels
Business growth through Customer Acquisition-Acquire customers by selling STUL towards meeting topline targets
· Identify business growth opportunities· Meet customers along with channel partners· Organise channel partner, customer visits for seniors· Check for alignment of cases p... See More
· Research to scout for potential channel partners· Gather data for evaluation of potential channel partners· Meet & support the negotiation of terms of engagement with potential in lines with business potential· Support in the onboarding of the channel partners· Constantly engage with & activate channel partners while ensuring targeted ROEs for the channel partners· Monitor SLAs, sales efficiencies and ROI of channels
Business growth through Customer Acquisition-Acquire customers by selling STUL towards meeting topline targets
· Identify business growth opportunities· Meet customers along with channel partners· Organise channel partner, customer visits for seniors· Check for alignment of cases p... See More
Business growth through Channel Management-Effectively grow and manage different types of channel partners to ensure meeting of topline & bottom line targetsChannel types1. Direct Sales Agents2. Online aggregators3. Internal sources that provide qualified leads like marketing department
· Research to scout for potential channel partners· Gather data for evaluation of potential channel partners· Meet & support the negotiation of terms of engagement with potential in lines with business potential· Support in the onboarding of the channel partners· Constantly engage with & activate channel partners while ensuring targeted ROEs for the channel partners· Monitor SLAs, sales efficiencies and ROI of channels
Business growth through Customer Acquisition-Acquire customers by selling STUL towards meeting topline targets
· Identify business growth opportunities· Meet customers along with channel partners· Organise channel partner, customer visits for seniors· Check for alignment of cases put up by the channel partners on a daily basis with the internal policies /guidelines· Coordinate with internal stakeholders to process the applications· Negotiate commercial terms· Appropriate Funnel management to ensure adequate conversion from login and disbursement· Fulfil qualified leads provided by online aggregators, internal sources
Disbursal& MIS -Timely disbursement of the loans to customers with proper documentation
· Smooth coordination with vendors for timely submission of relevant customer documents· Coordinate with internal teams and respond to their queries to ensure timely & accurate disbursal· Complete transactions with customer with appropriate documentation· Provide inputs to Area Manager for Sales MIS
Market Intelligence-Gather market intelligence towards evolving competitive business strategy, policies & processes
· Gather market intelligence on a regular basis· Share the market intelligence with Area managers· Provide suggestions for improvement in processes, pricing, policy etc to Area Managers
Portfolio quality& Risk Management -Maintain quality of portfolio to minimize NPAs
· Liaise with the customers and the Risk team as required to provide regular information required for monitoring the creditworthiness of the proposals· Manage portfolio activities augmenting and driving alignment with early alert strategies to reduce losses· Proactively identify risks to maintain portfolio quality· Track over due account on a daily basis for the business· Intervene to ensure collection for initial overdue accounts on timely basis· Collaborate with Collection teams for remaining over due cases & ensure collection on a timely basis
Profitability-Implement measures to ensure profitability
· Focus on sales volume and value (higher yield and margins) by right pricing, cross selling, processing fees· Implement all cost management initiatives on a timely & accurate basis
Process Efficiency & Operational Effectiveness -Adhere to processes
· 100% Process Adherence for pre & post sourcing processes
Stakeholder Relationships- Develop relationship with internal stakeholders
· Proactively build and maintain relationships with key internal stakeholders for smooth cross-functional coordination See Less
· Research to scout for potential channel partners· Gather data for evaluation of potential channel partners· Meet & support the negotiation of terms of engagement with potential in lines with business potential· Support in the onboarding of the channel partners· Constantly engage with & activate channel partners while ensuring targeted ROEs for the channel partners· Monitor SLAs, sales efficiencies and ROI of channels
Business growth through Customer Acquisition-Acquire customers by selling STUL towards meeting topline targets
· Identify business growth opportunities· Meet customers along with channel partners· Organise channel partner, customer visits for seniors· Check for alignment of cases put up by the channel partners on a daily basis with the internal policies /guidelines· Coordinate with internal stakeholders to process the applications· Negotiate commercial terms· Appropriate Funnel management to ensure adequate conversion from login and disbursement· Fulfil qualified leads provided by online aggregators, internal sources
Disbursal& MIS -Timely disbursement of the loans to customers with proper documentation
· Smooth coordination with vendors for timely submission of relevant customer documents· Coordinate with internal teams and respond to their queries to ensure timely & accurate disbursal· Complete transactions with customer with appropriate documentation· Provide inputs to Area Manager for Sales MIS
Market Intelligence-Gather market intelligence towards evolving competitive business strategy, policies & processes
· Gather market intelligence on a regular basis· Share the market intelligence with Area managers· Provide suggestions for improvement in processes, pricing, policy etc to Area Managers
Portfolio quality& Risk Management -Maintain quality of portfolio to minimize NPAs
· Liaise with the customers and the Risk team as required to provide regular information required for monitoring the creditworthiness of the proposals· Manage portfolio activities augmenting and driving alignment with early alert strategies to reduce losses· Proactively identify risks to maintain portfolio quality· Track over due account on a daily basis for the business· Intervene to ensure collection for initial overdue accounts on timely basis· Collaborate with Collection teams for remaining over due cases & ensure collection on a timely basis
Profitability-Implement measures to ensure profitability
· Focus on sales volume and value (higher yield and margins) by right pricing, cross selling, processing fees· Implement all cost management initiatives on a timely & accurate basis
Process Efficiency & Operational Effectiveness -Adhere to processes
· 100% Process Adherence for pre & post sourcing processes
Stakeholder Relationships- Develop relationship with internal stakeholders
· Proactively build and maintain relationships with key internal stakeholders for smooth cross-functional coordination 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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