Overview
Job brief
We are looking for a talented Branch Cum Sales Manager to assign and direct all work performed in the branch and to supervise all areas of operation. You will manage staff, foster a positive environment and ensure customer satisfaction and proper branch operation. The successful candidate will have a hands-on approach and will be committed to the expansion and success of the business by implementing strategies that increase productivity and enable sales targets achievement.
Responsibilities
· Direct all operational aspects including distribution operations, customer service, human resources, administration and sales.
· Assess local market & PAN INDIA conditions and identify current and prospective sales opportunities.
· Develop forecasts, financial objectives and business plans.
· Meet goals and metrics.
· Manage budget and allocate funds appropriately.
· Bring out the best of branch’s personnel by providing training, coaching, development and motivation.
· Locate areas of improvement and propose corrective actions that meet challenges and leverage growth opportunities.
· Address customer and employee satisfaction issues promptly.
· Adhere to high ethical standards, and comply with all regulations/applicable laws.
· Network to improve the presence and reputation of the branch and company.
· Stay abreast of competing markets and provide reports on market movement and penetration.
· Ensure quality sourcing of new customer to sell different banking product like Demat Account, Life Insurance, Credit Card, Loans, Private Funding, Mutual Fund, Shares & etc.
· Penetration of Fixed Deposit to existing & new customers.
· Generate leads of customer through referral, meeting branch walk-ins customer, associates, e-mailing, direct mailing & cold calls in the catchment area (PAN INDIA).
· Ensure quality customer service is delivered.
· Meeting productivity norms as defined through support of channels & own efforts.
· Strictly adhere & maintain KYC norms compliance.
· Adhere to the norms, regulation & practices of banks religiously.
· Work directly with customers to build relationships, uncover, and satisfy their financial needs.
· Motivate employees by incorporating the Bank’s vision and the branch goals into daily communications and by recognizing and rewarding staff for their contributions.
· Plan, coordinate, and monitor the overall activities and operations of the branch.
· Lead a focused sales organization providing coverage across the assigned territory.
· Hire Sales Team members with the appropriate skills for performing success based selling.
· Provide intensive coaching and developmental opportunities for team members.
· Leads by example by demonstrating strong negotiations and closing skills in customer interactions.
· Manage ongoing Programs for team members not at quota
· Meet or exceed team sales targets as assigned without fail.
· Develop and implement sales methods and strategies to achieve specific product and target market objectives.
· Establish and maintain sales methods and procedures to ensure high levels of professionalism, productivity and efficiency.
· Coordinate with Marketing and database management resources to ensure successful execution of sales campaigns.
· Track and report sales and sales activity metrics.
· Building relationships with internal and external customers.
· Represent the Banker, exercising confidentiality, discretion and personal sensitivity in all aspects of the role, exercising judgement and taking decisions on their behalf.
· Own and manage multiple complex diaries, using initiative to resolve conflicts and anticipating the banker’s requirements, ensuring efficient scheduling of meetings, coordinating with all relevant parties to ensure best possible use of time.
· Anticipate, coordinate and manage complex travel and meeting schedules and itineraries ensuring timely preparation, reconciliation and submission of all travel and corporate expenses using knowledge of geography to support arrangements across multiple time zones.
· Extensive client liaison and client management, maintenance of client relationships at senior level.
· Manage and maintain key communication networks, building excellent rapport within team and client group and maintaining effective relationships showing discretion as required.
· Take ownership of all enquiries, resolving, escalating or identifying alternative contacts as appropriate dealing proactively with all correspondence and meeting actions.
· Anticipate issues, offering practical and timely solutions, upwardly referring as necessary.
· Advise on most effective and appropriate method of presentation of information and assist in maintaining client/market activity and preparing/distributing information packs, presentations.
· Anticipate and provide/collate all relevant documents through understanding the nature of the ongoing work/projects of the team.
· Materials are printed and ready timely for meetings.
· Rooms are booked in all locations and/ or conference accounts provided.
· Videoconferences are connected.
· Supporting their respective teams working in conjunction with other teams.
· Organizing all travel and related expense reporting.
· Approve various costs/ fee payments/ invoices/ email requests/ project work.
· Investigate the document where required.
· Liaising with the space management team to coordinate seating logistics & others.
· To drive sales and ensure business targets are achieved.
· Aggressively drive the sales numbers and achieve the business targets for Retail loan products and through cross selling while continuing to enhance and upgrade the client relationships.
· Retain and expand the company’s base of customers for retail loan product so as to ensure repeat business or referrals.
· Maximize sales through a network and relationships to ensure strong business Develop and maintain strong liaisons with the clients for repeat business or referrals.
· Ensure the files are processed from login stage to disbursement and liaise with internal departments (Operations and Credit) for completion.
· Optimize team productivity by effectively managing the team of relationship managers so as to assure achievement of team results and thereby meet the business targets and profitability of the area Align with the team on ground lead generation activities for Sales.
· Lead and supervise the team for the implementation of the growth agenda through appropriate training, motivation and deployment strategies.
· Constantly keep abreast on market trends and competitor intelligence so as to build and develop effective sales and marketing strategies.
· Use understanding of the markets / competition / process and products available in the markets to provide positive feedback to the central product and policy team to stay ahead in the market.
Requirements and skills
· Proven branch management experience, as a Branch Cum Sales Manager or similar role
· Preferable: – Two wheeler with Valid DL* and Local Residence within 20 KM radius only.
· Sufficient knowledge of modern management techniques and best practises.
· Ability to meet sales targets goals.
· Familiarity with industry’s rules and regulations.
· Excellent organizational skills.
· Results driven and customer focused.
· Leadership and human resources management skills.
· Working as per company policy & totally target based work.
· Minimum of 5 years-experience within a management role.
· Intensive travel outstation locations covered.
· 3+ years Customer Service experience or 3+ years Customer Relations experience
· Manage resources in the branch, implement service initiatives (in accordance with the Customer Experience guidelines) and ensure consistency of service quality and delivery.
· Ensure that the branch premises are properly maintained and aligned to the Bank’s marketing guidelines.
· Manage effective channel migration programmed.
· Entrepreneurial spirit and selling strategy.
· 5+ years of Banking, Loan, sales or industry experience.
· Ideal candidate should have working experience in NBFCs engaged in the business segments mentioned.
· Should be Enthusiastic, Approachable, self-motivated and result oriented.
· Bachelor’s degree in a Finance, Management & Marketing discipline.
Company Products & Other Details.
1. Private Funding – Short & Long Terms* PAN INDIA
2. Third-Party Collateral Funding* PAN INDIA
3. Bill Discounting / Invoice Discounting – Domestic & Globally
4. Loan Against Shares – Instant (Within 4 Hrs)* PAN INDIA
5. Loan Against Mutual Fund – Instant (Within 4 Hrs)* PAN INDIA
6. Secured Private Funding* PAN INDIA
7. Defaulter / NPA Client – Loan Settlement & Funding* PAN INDIA
8. Business Loan – Secured & Unsecured* PAN INDIA
9. Personal Loan – PAN INDIA
10. OD / CC Limit* – PAN INDIA
11. Car Loan – New / Used* – PAN INDIA
12. Home Loan* – PAN INDIA
13. Project Funding* – PAN INDIA
14. Investment* – PAN INDIA
15. BG – Secured / Unsecured* – PAN INDIA
Salary, Incentive & Other Details.
· 240,000 to 320,000 Plus Unlimited Incentives
· Statutory Benefits:-Employee Provident Fund (after completion of 6 months from DOJ)
· Only 40% Salary Fixed & after completion of 6 months from DOJ then 70% to 100% Fixed Salary (Terms & Conditions Apply)
· Paid leave – 24 days calendar year (after completion of 6 months from DOJ)
· Other Benefits applied as per company policy
· Only For Girls
Required Services:
· Police Verification
· Work Privacy Policy Agreement
· Background Verification