Job Description

:To capture very large opportunity in Loan against property and Housing in Semi-urban and Rural India banks is setting up separate team for effective coverage. This will help to retain and grow our customer base in Bharat Geography. Team will be distributing loans through emerging branch network and also focus on acquisition of NTB customers through alternate channels. We have exciting opportunity for you in below role and locations.Regional Sales Manager-Mortgages ( Bharat HL & LAP)Location Pune, Bangalore ,Jaipur,Karnal
Reporting to National Sales Manager
Grade M6/M7

• RSM will be responsible for managing business entire region/state.
• Develop and execute sales plan to achieve business volume, Profitability & Markets share.
• Keep watch on competition, identify new channels/customer segments.
• Work closely with branch banking teams and participate in joint business development activities to generate business.
• Focus on building CASA for the bank through existing customers and ensure cross sell and fee based income achievement.
• Develop superior team to achieve business targets month on month and tap unexplored opportunity by taking continuous feedback and market survey.
• Channel Management: Maintain heathy relations with channel partners /connectors, sourcing agencies and develop New.
• Provide an environment full of energy, excitement, fairness & opportunities to team members to help them grow and develop, in line with the Kotak DNA.
• Maintain customer satisfaction by offering best in class turnaround time and after sales customer service.
• Closely monitor portfolio quality and achieve delinquency targets through team.
• Support hard recovery legal processes.
• Drive functional synergies amongst various functions of Business, Credit, Technical, Legal, Ops & Collections.
• Performance Review: Conduct weekly/monthly/quarterly review of individual / Cluster performance and take corrective actions.
• Marketing Initiatives : Develop and implement effective marketing activities to improve revenue by enhancing customer experience/retention.

• Qualification - Graduate / MBA
• Minimum 10-12 years of experience in Sales and product development. Preferred Mortgage or business loans experience.
• Understating on legal and technical aspect will be added advantage.
• Regional Team handling and generating business through branch banking channel.
• High drive for results, strong work ethic, relationship management and negotiation skills.
• Strong customer-centric approach to generate business and high standard of satisfaction.

Kotak Mahindra Bank