Senior Credit Sales Officer

Key Responsibilities

• Sales Target Achievement: Achieve sales targets and revenue goals by proactively prospecting for new customers, generating leads, and converting opportunities into sales.
• Customer Acquisition: Identify and target potential customers, including individuals, businesses, and organizations, through market research, networking, and referrals, to drive new business acquisition.
• Credit Analysis: Conduct thorough credit analysis of potential customers, assessing their creditworthiness, financial stability, and repayment capacity, to determine eligibility for credit products.
• Product Promotion: Promote and sell a range of financial products and services offered by the NBFC, including loans, insurance, and investment products, highlighting features, benefits, and competitive advantages to customers.
• Relationship Management: Build and maintain strong relationships with customers, dealerships, and channel partners, providing personalized service, addressing inquiries, and resolving issues to enhance customer satisfaction and loyalty.
• Sales Support: Provide sales support to customers throughout the sales process, including pre-qualification, application submission, documentation, and post-sales service, ensuring a seamless customer experience.
• Cross-Selling: Identify cross-selling opportunities and promote additional products and services to existing customers, maximizing wallet share and customer lifetime value.
• Market Intelligence: Gather market intelligence and competitor insights, monitoring industry trends, customer preferences, and competitor offerings, to inform sales strategies and product development initiatives.
• Sales Reporting: Prepare regular sales reports, forecasts, and performance dashboards for senior management, tracking key performance indicators (KPIs) and providing insights for sales planning and decision-making.
• Compliance Adherence: Ensure compliance with regulatory requirements, company policies, and industry best practices in sales activities, including adherence to credit underwriting guidelines and regulatory disclosures.

• Bachelors degree in business administration, finance, or related field.
• 4+ years of experience in sales and business development, preferably in the financial services industry or NBFC sector.
• Strong sales and negotiation skills, with a proven track record of achieving sales targets and driving revenue growth.
• Ability to conduct credit analysis and assess customer creditworthiness, with knowledge of credit underwriting principles and risk management practices.
• Excellent communication and interpersonal skills, with the ability to build rapport with customers and influence decision-makers.
• Results-oriented mindset with a focus on achieving business objectives, delivering customer value, and maximizing sales performance.
• Proficiency in MS Office Suite and familiarity with CRM software and sales automation tools.