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 recent 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