About Retail Lending :
The Retail Lending department focuses on the lending business of the bank by offering various loan products like Home Loans, Car Loans, and Personal Loans among others.
They also offer working capital loans and Business loans for Small Businesses and is also responsible for the rural lending business of the bank.
About the Role :
The Area Sales Manager (ASM) is responsible for maintaining the Profit and Loss of the location and for the business expansion and growth of the lending book of the area so as to achieve the top line and profitability goals.
The ASM coordinates with the Sales managers to ensure that they are able to respond proactively to the business issues and challenges by providing them with the required guidance and support.
Drive the business in the geography through the sales resources and ensure attainment of targets
Map the business potential in the geography of operation
Manage the quality of portfolio through soft recovery in early bucket defaults
Organize activities / events across channels to increase lead generation
Conduct field visits in case of High value loan proposal
Liaise with internal stake holders to improve sourcing and ensure quick conversion of business
Review the weekly business performance report of RMs
Organize training sessions, guide and coach RMs to enable them to attain the desirable sales performance levels.
Optimal qualification for success on the job is :
Graduation / Post-Graduation from a recognized institute
2 years in a relevant role
Role Proficiencies :
For successful execution of the job, the candidate should possess the following :
Knowledge of industry, technology, marketing, and product trends
Knowledge of regulatory guidelines and norms
Good communication (both verbal and written) skill in both English and the local language
Ability to manage complex client situations
Ability to manage risk and uncertainty for self and team within a dynamic priority-setting environment
Ability to handle pressure and meet deadlines
Ability to coach and mentor others
ComeAsYouAre "We are dil se open. Women, LGBTQIA+ and PwD candidates of all ages are encouraged to apply"