Zonal Sales Manager Branch – CONSUMER LOANS, RETAIL LENDING

About the Business Group:The Consumer Loan department is a part of Retail Lending business of the bank and offers Personal loans and Education Loans to all categories of customers Pan India.About the Role:This leadership role focuses on driving sales, achieving business objectives and maximizing profitability for the Consumer Loans business. It requires strategic planning and execution to boost revenue, grow the portfolio, and maintain risk and compliance.Details of the Role:DepartmentRetail LendingGradeAVP/VPSub-DepartmentRL- Consumer LoansReporting (Business)SVPILocationMumbaiReporting (Matrix) Key Responsibilities:
- Business Goals & Profitability
- Responsible for driving the P&L; of Personal Loans and Education Loans
- Prepare the Zonal sales budget and execute strategies that enable achieving the target
- Prepare Monthly, Quarterly, and Annual sales forecasts and be responsible for the Zone 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 Direct Sales Agents, 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 ASM, SM and RO productivity.
- Responsible for setting up right distribution span across geographies and segments.
- Customer Experience
- Oversee a fulfilling customer journey leading to customer delight and making the Bank th

📌 RL - Consumers:Zonal Sales Manager - Branch (Chandigarh)
🏢 Axis Bank
📍 Chandigarh