Branch Sales Manager - Business loan

Job description

Principal Accountabilities • Develop and execute a comprehensive sales strategy for the designated Branch. • Recruit, train, and manage a team of sales officers and executives. • Foster and maintain strong relationships with key clients, partners, and stakeholders. • Monitor performance and ensure every sales officer has sufficient leads to achieve targets. • Streamline the sales process from lead generation to closure. • Ensure compliance with all regulatory requirements and internal policies. • Recruit, train, develop manage a steady sales team. • Identify and develop strategic partnerships and alliances. • Drive sales team to achieve budget as per organizational requirements. • Focus on revenue generation and profitability within the Branch. • Oversee sales team for process adherence as per organisations laid out process. • Monitoring of all hygiene parameters like PDD adherence process governance for the area. • Managing the sales operations across the designated area, with a focus on promoting unsecured business loan products through a network of Direct Selling Agents (DSAs). • Recruiting, training, and managing DSAs to ensure the achievement of sales targets and adherence to company policies and guidelines. • Strong market connect and domain knowledge, geographic intelligence. • Identifying potential business clients within the area and establishing strong relationships to facilitate the sale of unsecured loan products. • Conducting thorough financial assessments of potential clients and customizing suitable loan solutions that cater to their specific business requirements and financial capabilities. • Achieving and surpassing individual sales targets through effective relationship management and sales strategies. • Providing regular updates and reports on market dynamics, customer feedback, and DSA performance to the management team. • Supervise and manage all operational activities at Customer onboarding. • Provide strong leadership, guidance, and support to ensure the achievement of sales targets. • Ensure loan disbursal for the relevant cases for all type of existing products. • Relationship management of DSAs, Connectors, Dealer DSAs, DSEs in the city/area. • Monitor the quality of sourcing to be as per organisations expectations. • Oversee the entire customer onboarding lifecycle, from application submission to account activation. • Building strong positive relationships with strategic customers. • Monitor and manage loan disbursements and reconciliation of payment. • Liaise with Sales team; design and implement relevant product offerings/programs to drive disbursement volumes. • Develop customer communication and marketing initiatives to achieve business goals. • Recruit, train, and manage a team of sales managers and executives. • Analyse the market and portfolio to identify potential opportunities. • Assist in the development and management of the Loan Against Property (LAP) product portfolio. • Conduct in-depth market research and analysis. • Collaborate with sales, marketing, and operations teams to design and implement product strategies. • Collaborating with internal teams to streamline the loan application and approval process, ensuring compliance with regulatory guidelines and company policies. • Monitor product performance and make data-driven recommendations for improvements. • Co-ordinate with Sales, Operations, Underwriting team on designing and implementation of processes to reduce TAT and increase customer satisfaction. • Prepare detailed reports and presentations on product performance and market trends. • Centrally coordinate with all channel partners, referrers and third-party sales channels for lead generation. • Managing the Credit Card Sales for the location/State. Qualification, Experience Skills • Bachelors degree in Business Administration, Finance, Marketing, or a related field. • Several years of experience in sales, preferably in the financial sector. • Previous experience in branch operations management within the financial services industry; 3;8 years. • Minimum 4;5 years of experience in collections, preferably in a supervisory role. • Masters or Bachelors degree in Business Administration, Commerce, Management, Finance, Economics, or related field. • Minimum 7;10 years of experience in commercial vehicle lending space as a team leader for an area at an NBFC/Bank. • Should have 1;3 years of experience in unsecured products loan. • 3;5 years of experience in product management, preferably in the financial services sector. • Minimum 3;4 years of experience in sales management, preferably in banking or financial services. • Minimum 4;5 years of experience in Tele-Sales (preferably lending products). • 3;5 years of experience in Medical Equipment, Machinery Loan, Equipment Loan, or Equipment Financing. • MBA or equivalent advanced degree preferred. • At least 2 years in a leadership role in credit card sales. • 5;10 years of experience in a leadership role within the NBFC sector. • 3;5 years of experience in NBFC funding, supply chain management, or a related role. • 3;5 years of experience in digital initiatives, digital marketing, or a related role. • 3;5 years of experience as a collections manager or in a similar role. • 8;10 years of relevant experience. • 5;7 years of experience in Shopkeeper loans or similar products. • Minimum 2;3 years in Customer service. • Minimum of 4 years of experience in the financial services industry. • Bachelors degree in Law (LL.B); LL.M or equivalent advanced degree preferred. A valid license to practice law in the relevant jurisdiction. • Bachelors degree in Finance, Accounting, Business, or a related field. Professional certifications such as CIA or CISA are advantageous. • Proven experience in aud