Head – Cross-Selling

Department: Business

Designation: Head – Cross-Selling

Location: Head Office, Gurugram

Job Purpose To lead the cross-selling business by driving revenue growth, fee income, and product penetration across the company's existing customer base and distribution network. The role will be responsible for developing cross-selling strategies, identifying new business opportunities, managing strategic alliances, enabling branches and direct sales channels, and leveraging digital platforms to improve customer acquisition, product adoption, and overall business profitability.

The position will also ensure that all cross-selling activities are conducted in accordance with the company's policies, applicable regulatory requirements, and customer-centric business practices.

Roles and Responsibilities

Revenue and Product Penetration

- Develop and execute cross-selling strategies to achieve revenue, fee income, and product penetration targets.
- Identify opportunities to offer additional financial products and services to existing customers.
- Drive customer-level product penetration through targeted campaigns, customer segmentation, and need-based product offerings.
- Monitor product-wise, branch-wise, and region-wise revenue performance against approved business targets.
- Identify revenue gaps and implement corrective action plans to improve cross-selling productivity.
- Prepare periodic business performance reports and provide actionable insights to management.

Product Strategy and Partnership Management

- Develop and implement cross-selling product strategies aligned with the company's business objectives.
- Identify, evaluate, and establish strategic alliances with banks, insurance companies,



financial institutions, fintech companies, and other relevant partners.
- Design and refine product propositions, pricing structures, customer value propositions, and distribution models in coordination with relevant departments.
- Conduct market research, competitor benchmarking, and market sizing to identify potential business opportunities.
- Evaluate the commercial viability, profitability, and customer suitability of new products and partnerships.
- Monitor alliance performance and ensure achievement of agreed business, service, and revenue objectives.

Channel Activation and Sales Enablement

- Develop and implement channel activation strategies to drive cross-selling through the branch network and other distribution channels.
- Enable branches and field teams through structured training, product communication, sales tools, and customer engagement initiatives.
- Develop and expand direct sales channels, telecalling, digital campaigns, and other relevant distribution models.
- Design effective incentive structures to motivate employees and sales teams to achieve cross-selling targets.
- Establish channel-wise targets, review mechanisms, and performance dashboards.
- Monitor channel productivity and implement initiatives to improve conversion rates and sales effectiveness.

Digital Integration and Process Efficiency





- Drive technology adoption and digital integration across the cross-selling process.
- Collaborate with IT, Operations, Product, and Digital teams to streamline lead generation, customer identification, product application, and sales tracking.
- Establish productive processes to reduce turnaround time (TAT) and improve customer experience.
- Monitor the sales funnel to identify and minimize customer drop-outs at various stages of the cross-selling journey.
- Promote automation, digital tracking, and management information systems (MIS) for performance monitoring and decision-making.
- Identify process bottlenecks and implement continuous improvement initiatives.

Compliance, Risk and Customer Retention

- Ensure that all cross-selling activities adhere to applicable RBI guidelines, relevant regulatory requirements, internal policies, and partner agreements.
- Establish controls to prevent mis-selling, unauthorized commitments, inappropriate product recommendations, and customer complaints arising from sales practices.
- Ensure transparent product communication, appropriate customer consent, and need-based product offerings.
- Monitor compliance exceptions, customer grievances, and partner-related service issues, ensuring timely resolution.
- Coordinate with Compliance, Risk, Legal, Operations, and Customer Service teams to address control gaps and regulatory observations.
- Develop customer retention initiatives and strengthen long-term customer relationships through appropriate product offerings and service quality.
- Review customer feedback, complaint trends, and retention metrics to implement corrective and preventive actions.

📌 Head Cross Sales (Gurugram)
🏢 Seeds Fincap
📍 Gurugram