ABCL-Area Sales Head-SME-Jaipur
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Job Location:
Monthly Salary:
Posted on:
22 hours ago
Vacancies:
1 Vacancy
Job Summary
Job Context
- SME caters to the varied needs of a diverse set of customers across retail HNI ultra HNI MicroSmall & Medium enterprises.
- It encompasses a wide variety of financing solutions for clients ranging Loan against property to more complex Lease Rental discounting Commercial Purchase and Construction Finance lending. Financing solutions are provided to Self-Employed professionals/ non-professionals against a wide array of lending programs each of which aims to estimate the clients repayment capability accurately before the company to take an exposure.
- The lending program requires assessing clients on various dimensions including income repayment behavior stability of income/ residence profile collateral valuation marketability ownership structure of business and the property and many others.
- Loan approvals entail a good mix of profile checks balance sheet lending and collateral assessment. An in-depth understanding of the customers business model Cash flows customers & suppliers success factors and dependencies needs to be considered.
Key Responsibilities:
1.Deliver Sales growth at the location and expand the customer base
- Identify business growth opportunities across the location build direct/ channel/ new client acquisition strategies and tap growth opportunities to achieve area-wise targets
- Augment the business volumes of SME lending in the location manage client databases and tap them through Relationship Managers
- Drive relationships with key clients faster TAT and cross selling initiatives in order to increase the client base of the locations/area
- Monitor lead generation & RM sales productivity metrics to drive a high-performance sales culture across the area
2.Analyze product positioning and competition across the locations and develop the distribution network
- Scan the location market and its competitive offerings on a periodic basis; report on emerging trends and business opportunities for the SME segment to the head office
- Engage with channel partners and develop a touch point management system for faster customer connectivity
- Conduct engagement programs and sales trainings to develop channel partners
- Monitor SLAs sales efficiencies
- Effectively deploy schemes and prioritize sales of high revenue products and structures
3.Drive high levels of customer satisfaction across the location through relationship managers
- Monitor client servicing metrics develop relationship marketing programs and motivate RMs and channel partners to display highest levels of client servicing standards
- Encourage the implementation of improved processes and best practices in order to enhance operational productivity
- Engage with key customers on a periodic basis to build stronger relationships thereby contributing to faster growth
- Monitor customer issues and complaints and drive necessary action to address the same
4.Analyze and communicate information for better risk management and operational effectiveness to the management team
- Support the risk and review process by supervising the preparation of loan proposals and documentations to ensure controlled operations for the locations
- Liaise with the customers and the Risk team to provide regular information required for monitoring the creditworthiness of the proposals
- Prepare periodic MIS reports for profits NPAs new clients & report on a periodic manner to RSMs & ZSMs.
5.Team Management & Development
- Guide and develop RMs to facilitate better customer acquisition retention and support and helping them to achieve superior performance standards
- Nominate teams for product behavioral and negotiation trainings and work for self development initiatives
About Company
Discover a world of financial solutions at Aditya Birla Capital – your trusted partner for investments, insurance, loans, and a wide range of financial services in India.
