RL - Mortgages:Area Sales Manager - ASHA HL - Hybrid

aAbout 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 leads a network of sales managers and is responsible for business expansion and growth of the lending book of the area so as to achieve the topline 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. The ASM is also responsible for meeting the clients and helping the sales managers to resolve the queries and for maintaining regulatory and procedural compliance

Key Responsibilities

• Manage the Sales Managers and achieve the sales targets across products and channels
• Conduct sales team meetings and set targets with individual SM to ensure tight control on sales process
• Manage relations with attached bank branches, ARMs and Direct Selling Agent (DSA) network in the location
• Handle negotiations with the DSAs and arrange meetings between the DSAs and Regional Sales Managers (RSM)
• Develop new DSA tie-ups and support Sales Managers for similar initiatives
• Plan/design sales programs, contests and presentations at Local level
• Responsible for launching new products in the marketplace
• Manage client relationship through all phases of the sales cycle
• Develop sales strategies to improve market share in all product lines and identify new business development opportunities
• Identify training needs by analyzing changing market trends, channel deployment etc. and give suitable feedback suggestions to the RSM
• Ensure highest levels of employee relationship, satisfaction, motivation and engagement are maintained to drive results
• Coordinate with the Operations & Risk teams to understand and contribute to overall processes & profitability across locations

Qualifications:

Optimal qualification for success on the job is:

• Graduation/ Post-Graduation from a recognized institute

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