Sales manager

Job description

ROLE SUMMARY
Drive business for improving market share, profitability & growth across channels and products for the branch
through demand generation, fulfillment and portfolio management with strong focus for growth in affordable
segment
ROLE EXPECTATIONS
DEMAND GENERATION
Generate demand through multi-product and multi-channel sales methodology with an aim to be leader in
affordable segment
 Driving business through acquiring new customers in the allocated region with focus to improve the
affordable reach
 Nurturing the relationship with all sourcing partners - Connectors, Referral Partners and I Bank
 Enhancing business through increase in market share of affordable mortgage and deeper geography
penetration along with other products i.e. LAP, Gold loan, Fixed deposits and Insurance
 Expanding the market reach by organizing regular promotional activities in collaboration with marketing
team
 Utilizing digital platforms like GoDirect to increase the inflow of customers
 Creating and maintaining relationship with builders, property dealers, CAs and all kinds of probable
sourcing partners by paying regular visits
 Establishes, develops and maintains business relationships with current customers and prospective
customers in the assigned market segment to generate new business for the organization’s
products/services
 Building deeper connections in the market to be updated about latest trends in mortgage industry
FULFILLMENT PROCESS
Fulfill the customer needs with speed & agility
 Ensuring high levels of engagement for effective pre & post customer service.
 Responsible for login through i360 app, field investigation, initiating legal & technical, docket filling and
LAN generation
 Effective use of digital apps like i360, go Direct, ileadsquare, dista app and all other upcoming digital
portals/mediums for smooth processing of files
 Meets the customer needs with agility and speed by ensuring smooth process from onboarding to
disbursement
 Responsible for flawless login to reduce rework and ensure FTR
 Keep updated on product applications, technical services, market conditions, competitive activities,
advertising and promotional trends through the reading of pertinent literature and consulting with
marketing and technical service areas

PORTFOLIO MANAGEMENT
Drive lend to collect through proactive and effective portfolio monitoring
 Complete control of NPA and Collections / overdue cases sourced and their overall reduction to minimal.
 Maintenance of portfolio health by ensuring lend to collect culture is followed up to the last mile
 Liaisons with legal, technical, collection, FI and RCU vendors
 Strong focus on post onboarding services, customer retention and audit management
 Ensures adherence to credit compliance and risk frameworks
GOVERNANCE MEASURES
 Ensures legal and technical norms are met as per guidelines and are adhered to as per collateral policy of
the region
 Overall portfolio health
 NPS score for the branch
 Management of local notices
KEY COMPETENCIES
TECHNICAL COMPETENCIES
 Understanding of mortgage related products and credit policies
 Regulatory, legal and compliance Knowledge relating to the mortgage industry
 Thorough understanding of market landscape and competitors in the region
 Expertise in understanding the business numbers, able to understand the concept of VNB and SPLB points
BEHAVIORAL COMPETENCIES
 Selling and negotiation skills
 Ability to plan and prioritize
 Excellent relationship management skills
 Ability to collaborate with Solution oriented mindset
 Good articulation and communication s