Area Sales Manager - Retail Self Employed - Delhi

Job Description

KRA (Accountabilities) (Max 1325 Characters)

Assisting Actions (Max 1325 Characters)

KRA1

Sales Growth & Client Acquisition

Identify and execute sales growth opportunities at a local/ area level, driving channel expansion and new account acquisition

Segment the market and identify potential direct clients, approach them and generate business through customized loan structure offerings that meet client qualifications and also generate good margins for business

Deliver on sales targets by building strong relationships in the DSA network and influencing DSA outcomes

Augment the sales volumes of Unsecured lending, oversee channel databases and tap them tactically to make sure healthy sales pipeline

Drive faster TATs through effective loan sanctioning by building strong relationships with internal stakeholders in order to expand channel presence and client base

Track & report on sales operations and productivity metrics, and work towards building a high-performance sales culture

Actively participate in initiatives and contests driven by Business Development teams

KRA2

Operational Effectiveness

Work with dual focus on sales volume and value (IRR) through the group

Track & make sure SLA adherence, sales efficiencies and ROI

Adopt prescribed improvements in processes and best practices in order to enhance operational productivity and suggest improvements as well

Evaluate 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 RSM as well as down the line

KRA3

Distribution &

Market

Expansion

Establish and strengthen distribution network through liaising and networking efforts, considering product positioning and competitive pressures

Scan the market and its competitive offerings on a periodic basis; report on emerging trends and business opportunities for the unsecured segment

Engage with DSA channel network and execute the agreed touch point management system for faster client connectivity and loan processing-disbursement; escalate issues appropriately for timely resolution

KRA4

Client Servicing &

Relationship

Management

Collaborate with risk and operations teams to execute robust, client friendly loan approval and booking processes Recommend improvements to operating procedures and technological tools to enhance client experience through reduced processing TATs while simultaneously making sure compliant operations

Make sure client queries/ complaints are addressed in a timely and effective manner and collaborate personally to expedite the same

Leverage close direct client relationships to carry out post sanction surveillance and generate early warning signals on NPAs

KRA5

Risk

Management

Execute compliant Sales Operations and work in line with risk management principles via coordination with Risk group

Make sure closure of deal documentation and credit administration qualifications, including opening of escrow accounts for receivables lending in line with regulatory and financial controls qualifications

Back up risk management by upholding focus on prescribed guidelines and process checks at all stages of the unsecured loan transaction and raising potential alarm cases in advance

Proactively identify and report risks in order to make sure portfolio quality is maintained

Liaise with the channel partners, clients and the risk group on specific escalation cases

KRA6

Internal Stakeholder

Management

Partner with peer ASMs and reporting SMs (if any) to overcome challenges and back up sales growth via effective channel management, client acquisition

Proactively build and sustain relationships with key internal stakeholders (E.g. Operations, Risk Management) for smooth and efficient transactions and issue resolution

This opening is for the Area Sales Manager - Retail Self Employed - Delhi position in New Delhi.