- Design and implement a national sales strategy for Overdraft (OD) and Cash Credit (CC) products.
- Identify key customer segments such as MSMEs and self-employed professionals and create targeted acquisition plans.
- Optimize product positioning, pricing, and bundling to grow market presence.
2. Business Development
- Lead recent customer acquisition through internal teams (branches, Relationship Managers) and external partners (DSAs, CAs, and Connectors).
- Track sales performance against budgets, analyze trends, and implement necessary course corrections.
- Collaborate with product, credit, and risk teams to develop customer-centric offerings.
3. Team Leadership & Channel Management
- Manage and lead a team of Relationship Managers across India.
- Set clear performance targets and conduct periodic reviews.
- Train, motivate, and support the sales team to drive results and ensure excellent customer engagement.
4.
Portfolio & Risk Management
- Maintain a healthy loan portfolio by ensuring asset quality and minimizing delinquencies.
- Monitor overdue accounts and work closely with credit and collections to manage risk and resolve stressed assets.
5. Process & Compliance
- Ensure strict compliance with internal policies, KYC norms, credit approval standards, and regulatory requirements.
- Regularly review sales processes for optimization and adherence to compliance frameworks.
6. Market Intelligence
- Stay updated on competitor products, pricing strategies, and market trends.
- Provide actionable insights to enhance product offerings and refine processes.
Skills & Competencies Required:
- Proven leadership in managing national-level sales teams.
- Strong understanding of overdraft, working capital, and cash credit products.
- Experience working with MSME clients and regional leadership.
- Strategic mindset with hands-on execution skills.
- Excellent communication, analytical, and team management abilities.