Area Sales Manager-SEG-Kolkata

Job Description

Key Result Areas (Max 1325 Characters)Supporting Actions (Max 1325 Characters)Channel Management- Effectively grow and leverage different types the channel network in Area to ensure meeting of topline & bottom line targetsChannel types1. Direct Sales Agents2. Mediators(CAs)3. Internal sources that provide qualified leads like marketing departmentGuide Relationship Managers in creating the database of potential channel partners in AreaEvaluate potential channel partners in AreaMeet & negotiate terms of engagement with potential in line with business potentialOnboard the channel partnersEngage constantly with & activate key area level channel partners while ensuring targeted ROEs for the channel partnersCustomer Acquisition/Sourcing- Ensure customers are acquired by selling SEG loans towards meeting topline targetsSet weekly targets with Relationship ManagersConduct weekly review and daily activity tracking of Relationship ManagersMeet key customers along with channel partners & Relationship managersEnsure smooth coordination of team with internal stakeholders to process the applicationsNegotiate commercial termsEnsure appropriate Funnel management in the Area to ensure adequate conversion from login and disbursementExpedite loan approval decisions by providing risk mitigation solutionsEnsure fulfillment by team of qualified leads provided by mediators, internal sourcesEnsure team is giving the right picture to customers & no overcommitment is being madeReiterate repeatedly to Relationship managers the business/product USPDisbursal; Customer Service- Drive timely disbursement of loans to customers with proper documentation and meeting of customer service standards to ensure satisfied customers across AreaEnsure alignment of cases put up by the channel partners on a daily basis with the internal policies /guidelinesEnsure smooth coordination of team with vendors for timely submission of relevant customer documentsEnsure smooth coordination of team with internal teams and response to their queries to ensure timely & accurate disbursalEnsure completion of customer transaction by team with appropriate documentationMonitor hygiene post disbursal and provide solutions to any issues like statutory issueMarket Intelligence-Gather market intelligence towards evolving competitive business strategy, policies & processesGather market intelligence personally and push team to do the sameCarry out competition benchmarkingShare with Regional Head the above along with recommendations for improvements in process, pricing, policy etcPortfolio quality, Profitability -Maintain quality of portfolio to minimize NPAs; Implement measures to ensure profitability of AreaReview overdue account on a daily basis in the AreaEnsure interventions by team to ensure collection for initial overdue accounts on timely basisEnsure collaboration by team with Collection teams for remaining overdue cases & ensure collection on a timely basis Ensure profitability in Area by right pricing, processing feesImplement all cost management initiatives on a timely & accurate basisOrganisation Process Efficiency-Drive process improvements to ensure process efficiencies in the AreaEnsure the team has a clear understanding of the company policy in the marketEnsure process adherence by team for pre & post sourcing processesCollate Area level Sales MIS & circulateParticipate in internal & external audits, sales governance audits and post audits close all open items for the Area and implement actions/process improvementsMentor the team to display the right sales behaviors and follow right sales practices in the marketPeople Management Develop a productive team by recruiting, training, motivating and retaining team membersRecruit on a timely basisImplement training plans & ensure personal growth of team membersComplete regular performance reviews and feedbackMotivate and ensure retention of teamQualifications:Any Graduate,Post Graduate Pgm. in Mgmt.Minimum Experience Level:7-18 Years

Keyskills :
marketing communicationsales