- POSITION DESCRIPTION

JOB TITLE : Sales Manager–Formal LAP

GRADE : SM

DEPARTMENT : MSME

LOCATION : Region/Branch

SUB-DEPARTMENT : Business

TYPE OF POSITION : Full Time

REPORTS TO : Area/Circle Business Manager

REPORTING INTO

Portfolio Relationship Manager

- ROLE PURPOSE &
- OBJECTIVE

- As Sales Manager, he/she will be responsible for achieving Business targets and managing healthy Portfolio, by ensuring timely repayments and controlling customer exits for Formal LAP business.
- This role seeks to drive business volume through the Direct Sales Agent (DSA) channel.
- SIZE OF THE ROLE

FINANCIAL SIZE NON-FINANCIAL SIZE
- Monthly Business volume as per the business target, having average productivity of 75 – 150 lacs
- X-Bucket Collections as per defined norms
- Insurance cross-sell coverage on 100% of customers
- Family SA and Business CA sourcing
- Coordination with Credit Manager for case approval and CAD and Operations for case disbursement.
- Maintains Daily sales report and sharing with supervisor.
- Maintains DSA tracker for pay-out processing
- KEY DUTIES &

RESPONSIBILITIES OF THE ROLE

Business

- Daily/ Weekly /Monthly monitoring of the accomplishment of targets according to the annual/monthly targets established
- Identification and development of DSA channel, around the defined distance of the Sitting Hub
- Provides regular updates and training to DSA channel
- Ensure payout to DSA are on time
- Create Awareness in the market through direct and indirect marketing
- Tracks competition in terms of rates, credit assessment, DSA payouts, marketing activities

Customer

- Identification and Fitment of customer to Ujjivan MSME policy, through understanding of customer Financial statements (P&L;, B/S) and Financial ratio calculation
- GST records and Bank statements




- Ensure customers are educated about all products/services offered by Ujjivan.
- Ensure lower customer attrition by providing different products as per customer requirement.
- Focus on lower TAT as per laid down standards.

Internal process
- Ensure delinquency is within norms and does X-Bucket collection.
- Ensure First time right (FTR) logins, Disbursement within TAT (Turn-around time), Collection of OTC, PDD

Learning &
- Performance

- Ensure that self is up to date on all relevant circulars and all products/services offered in the Branch
- Ensure adherence to training man-days/ mandatory training programs for self
- Ensure goal-setting, mid-year review and annual appraisal process within specified timelines for self

Bike or scooter with smart phone is mandatory for the role
- MINIMUM REQUIREMENTS OF KNOWLEDGE &
- SKILLS

Educational

Qualifications

- Any Graduate

Experience (Years and Core Experience Type)
- 2-4 years of experience in LAP and/or Mortgage sales
- At least 2-year experience in formal segment (Vertical with Loan Ticket size >
- Rs 1 crores)

Certifications NA

Functional Skills

- Understanding Financial statements including P&L;, B/S, Cash Flow and Audit report
- Financial ratio understanding like Current ratio, Gearing, Inventory days and such.
- Familiarity with Excel

Asset Requirement
- 2-Wheeler &
- Android Smart Phone

Behavioral Skills
- Diligent
- Willingness and ability to communicate with multiple people

Competencies
- Dependability, Attention to detail
- KEY INTERACTIONS

INTERNAL

EXTERNAL

- Supervisors –
- Area Sales Manager, RBM
- Credit Manager, Legal Manager, Internal Valuer
- CAD, Operations
- DSA
- Legal and Technical Vendors

PREPARED BY: Ayush Saxena (UJJ32975) DATE: 29-03-2023

REVIEWED BY: Vicky Jain (UJJ51510)

DATE: 29-03-2023

LAST UPDATED BY: TM Team

DATE: 08-01-2024

📌 Sales Manager-Formal LAP (MSME) (Surat)
🏢 Ujjivan Small Finance Bank
📍 Surat