Job Description

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 andoffers 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:
Department Retail Lending Grade M/SM/AVP
Sub-Department RL- Consumer Loans Reporting (Business) AVP/VP
Location Mumbai Reporting (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 current 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
- Over

📌 RL - Consumers:Area Sales Manager - Personal Loan - Branch (Chandigarh)
🏢 Axis Bank
📍 Chandigarh