Area Sales Manager
Year Uttar Pradesh, India
Job Description
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Updated: May 10, 2024
Location: Uttar Pradesh, India
Organization: Financial Services
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Key Result Areas
Supporting Actions
Branch Sales Planning & Management
- Work with ZSM on devising the branch sales plan and team approach for achieving targets, considering product-environmental factors, competitive forces and local trends, and cascade the same to the branch team(s)
- Track industry and market developments, scanning the local market and competitive offerings on a periodic basis
- Oversee end to end branch operations and performance, covering all aspects such as sourcing, effectiveness, governance, productivity, channel management, etc.
- Report on and direct team\xe2\x80\x99s basis emerging trends and opportunities
- Manage day-to-day branch operations and administration
- Provide data for, compile and review periodic MIS reports for disbursements, profitability, NPAs, market expansion, etc. and communicate to ZSM as well as to team members
Customer Acquisition/ Engagement
- Identify local business growth opportunities, drive expansion and new customer acquisition initiatives to create a book of targeted size
- Work closely with team members, hand-holding critical/ complex transactions to ensure favorable closure with customer satisfaction
- Communicate sales targets and provide team members clarity on business goals, role expectations, product characteristics and USPs to enhance effectiveness of sales efforts
- Track cases in the complaint tracker/ escalations received, liaising with relevant stakeholders as required to drive satisfactory closure
- Deploy efforts/ initiatives in consultation with ZSM, arising from customer satisfaction survey and resulting NPS (Net Promoter Score), targeting identified focus areas
- Propose and deploy approved solutions and schemes to drive sales and enhance profitability, ensuring dual focus on sales expansion and cost optimization
- Serve as a point of escalation and manage customer complaints/ grievances effectively, intervening especially for key relationships
Operational Effectiveness
- To drive adoption of efficient business processes/ operations across the Customer Lifecycle (Sourcing, Approval, Servicing, Collections)
- Manage local distribution across channels, interfacing with senior/ critical partners/ stakeholders as required for smooth operations
- Drive process efficiencies and faster TATs through interfacing with stakeholders across processes and functions (Risk, Operations, Sales Governance) and efficient operations
- Drive high performance by reinforcing focus on business and sales growth objectives, effective client engagement, monitoring sales operations and productivity metrics, and providing support and guidance as required
- Drive the implementation of improved processes and best practices in order to enhance operational effectiveness, productivity and overall business impact
Cross-Selling across ABC products
- Drive activities and initiatives in the team as per cross-selling strategy agreed with ZSM
- Drive alignment to the adopted Cross-Selling strategy by supporting team members with requisite communications, training, guidance, etc. as required
Team and Internal Stakeholder Management
- Guide and develop team members for enhanced customer acquisition and engagement efforts, helping them achieve superior performance standards and handholding where required
- Nominate teams for relevant technical and behavioral trainings/ seminars and work on self-development initiatives
- Proactively liaise with internal stakeholders for smooth cross-functional coordination and alignment towards achievement of business objectives
Portfolio & Risk Management
- Work with the Risk, Operations and Sales Governance teams to ensure adherence to risk management and control mechanisms
- Support risk and review process through the credit approval process and by reviewing the loan sanctioning, disbursement process and documentation to ensure controlled operations
- Review financial risk via analysis of city/ branch operations MIS and Data Analytics reports
- Drive compliant Sales Operations and sound risk management via partnership with Risk, Operations and Sales Governance teams, and necessary communication and guidance; drive timely PDD closures and collections
- As part of Relationship Maintenance with institutional customers, review reports on client accounts, business performance, etc. and liaise with Risk while guiding team on delinquency cases
- Train and guide the team for alignment with adopted early alert strategies to reduce NPA risks and losses
- Ensure systematic MIS on NPAs and credit trends, providing inputs on possible risks that could impact portfolio quality
Qualifications:
Graduate
Minimum Experience Level:
5-8 Years
Report to:
NA
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Job Detail
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Job IdJD3297190
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IndustryNot mentioned
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Total Positions1
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Job Type:Full Time
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Salary:Not mentioned
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Employment StatusPermanent
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Job LocationUttar Pradesh, India
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EducationNot mentioned
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ExperienceYear