• 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 (Rajkot)
🏢 Ujjivan Small Finance Bank
📍 Rajkot