Area Sales Manager PL Branch – CONSUMER LOANS, RETAIL LENDING About the Business Group: The Consumer Loan department is a part of Retail Lending business of the bank and offers Personal loans and Education Loans to all categories of customers Pan India. About the Role: The role Area Sales Manager – Personal Loan involves driving Personal Loan business through a team of Sales Managers, ensure growth in Book Size, maintain product level profitability, build a robust distribution, deliver on the new initiatives rolled out. It requires strategic planning and execution to boost revenue, grow the portfolio, and maintain risk and compliance. Details of the Role: DepartmentRetail LendingGradeM/SM/AVP Sub-DepartmentRL- Consumer LoansReporting (Business)AVP/VP LocationMumbaiReporting (Matrix) Key Responsibilities: • Business Goals & Profitability • Responsible for driving the P&L of Personal Loans • Prepare the sales budget and execute strategies that enable achieving the target • Prepare Monthly, Quarterly, and Annual sales forecasts and be responsible for the Area sales target along with the growth and profitability of the portfolio • Audit, Compliance, and Risk Management • Ensure risk compliance through the completion of FCI and Internal Investigations observations, and repeat observations, ensuring timely and satisfactory closure. • Be responsible for the quality of the business portfolio by closely working with Risk and Credit teams and ensuring RAC Audits. • Sales and Channel Development • Develop and enhance new and existing channels of sales, such as Connectors, AVC, and Branch. • Ensure Siddhi adoption and usage. • Ensure digital adoption (MLP) and scale up applications through digital journeys • Responsible for Cross sell and Vas products penetration. • Responsible of Resource activation. • Responsible for Productivity of SM and RO. • Responsible for setting up right distribution span across area’s and segments. • Customer Experience • Oversee a fulfilling customer journey leading to customer delight and making the Bank the partner of choice. • Increase customer retention and drive engagement across existing customers to improve Net Promoter Score, customer satisfaction. • Responsible for FTR for his territory. • Collaboration and People Priorities • Collaborate with cross-functional partners to drive business results • Control regrettable attrition across all grades to maintain a strong and motivated team • Drive various people agenda, including but not limited to, values, talent management, internal mobility, culture, learning and developments Role Requirements: Qualification: • Graduation/post-graduation from a recognized institute • 7+ sales experience (unsecured loans preferred) with at least 3-4 years in Personal loans Role Proficiencies: • Strong sales orientation • Proficiency in managing complex client relationships, diverse stakeholders • Capability to handle pressure and meet deadlines • Skill in managing large, geographically spread team; coaching and mentoring team members • Competence in managing within a dynamic, priority-setting environment • Strong risk and compliance mindset • Adept at communication and interpersonal skills