Territory Sales Manager
Full time @Rising Sun Business Solutions posted 2 weeks ago in Sales Shortlist Email JobJob Detail
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Job ID 7095
Job Description
Territory Sales Manager – Unsecured Direct – Delhi – Delhi | Aditya Birla Capital Limited | Financial Services
Key Result Areas Â
Supporting Actions
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Sales Growth & Client AcquisitionÂ
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o Identify and execute sales growth opportunities at a local/ area level, driving referral and professional loan expansion and new account acquisitionÂ
o Deliver on sales targets by building strong relationships in the local network Â
o Segment the market and identify potential direct clients, approach them and generate business through customized loan structure offerings that meet client requirements and also generate good margins for businessÂ
o Carry out regular meetings and sales calls with prospective clients on a regular basis to source businessÂ
o Augment the sales volumes of Unsecured lending, manage channel databases and tap them tactically to ensure healthy sales pipelineÂ
o Drive faster TATs through effective loan sanctioning by building strong relationships with internal stakeholders in order to expand channel presence and customer baseÂ
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Operational EffectivenessÂ
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o Work with dual focus on sales volume and value (IRR)Â
o Track & ensure SLA adherence, sales efficiencies and RoIÂ
o Adopt prescribed improvements in processes and best practices in order to enhance operational productivity and suggest improvements as wellÂ
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Distribution & Market ExpansionÂ
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o Develop and strengthen distribution network through liaising and networking efforts considering product positioning and competitive pressuresÂ
o Scan the market and its competitive offerings on a periodic basis; report on emerging trends and business opportunities for the unsecured segmentÂ
o Engage with Local Network and execute the agreed touch point management system for faster customer connectivity and loan processing-disbursement; escalate issues appropriately for timely resolutionÂ
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Customer Servicing & Relationship ManagementÂ
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o Coordinate with risk and operations teams to execute robust, customer friendly loan approval and booking processesÂ
o Recommend improvements to operating procedures and technological tools to enhance customer experience through reduced processing TATs while simultaneously ensuring compliant operationsÂ
o Ensure customer queries/ complaints are addressed in a timely and effective manner and coordinate personally to expedite the sameÂ
o Leverage close direct customer relationships to carry out post sanction surveillance and generate early warning signals on NPAsÂ
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Risk ManagementÂ
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o Execute compliant Sales Operations and work in line with risk management principles via coordination with Risk teamÂ
o Ensure closure of deal documentation and credit administration requirements, including opening of escrow accounts for receivables lending in line with regulatory and financial controls requirementsÂ
o Support risk management by maintaining focus on prescribed guidelines and process checks at all stages of the unsecured loan transaction and raising potential alarm cases in advanceÂ
o Proactively identify and report risks in order to ensure portfolio quality is maintainedÂ
o Liaise with the channel partners, customers and the risk team on specific escalation casesÂ
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Internal Stakeholder ManagementÂ
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o Partner with peer RMs to overcome challenges and support sales growth via effective channel management, customer acquisitionÂ
o Proactively build and maintain relationships with key internal stakeholders (E.g. Operations, Risk Management) for smooth and efficient transactions and issue resolutionÂ
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Required skills
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