Sales Manager - Retail Sales - Mix Channel - Housing - EM - Sales - Ludhiana - Feroze Gandhi Market - JM at of in India

Job description

• Core

Responsibilities

• Responsibilities: Branch Process Management o Execute the defined strategy to achieve the defined performance of the branch. o Create a demand funnel and efficiently meet sales forecasts by maintaining a good relationship with clients o Manage growth and profitability of the branch by maintaining competitive knowledge so as to create and adjust sales strategies o Expand and retain the company's base of customers for affordable home loans by developing and maintaining strong liaisons with the clients/channel partners for repeat business or referrals while also ensuring they are part of our future projects. o Build and develop a defined source mix comprising of direct and indirect sourcing channels. o Capitalize on business opportunities, builder tie ups, and plan and monitor joint promotional activities with developers. o Facilitate the development of new locations as per targets so as to penetrate new markets and thereby increase business o Ensure smooth functioning of the lending process at the various stages such as inquiry, application, verification, pre-sanction processing of loan, sanction, post-sanction documentation, disbursement of loan, collection, new and existing customer service. o Manage post-sales customer/channel partner escalation. o Co-ordinate and supervise all key departments internally and strategies the road map for lending products. o Managing branch operating costs including cost of acquisition, expenses and operations. o Closely monitors the quality of book ensuring minimum delinquency at the branch level. o To support the appropriate closure of stress accounts and move them out of the portfolio by collaborating with collections team.
• Team Management o Optimize and closely monitor team productivity by effectively managing the team of sales managers so as to assure achievement of business targets and profitability of the area o Collaborate effectively with departments including Channel partners. o Lead and supervise the
• SM & RM team by support through appropriate hiring, training, reward and recognition. o Responsible for the overall administrative functioning of the branch. o Ensure active distribution span of control is maintained at the branch level as per norms.
• Industry & Governance o Constantly keep abreast of market trends and competitor intelligence so as to build and develop effective sales and marketing strategies o Ability to establish internal controls for legal compliance and conduct periodic audits to detect non-compliance & frauds and devise actions for correction and prevention. o Ensure a strong understanding of the markets / competition / process and products available in the markets and provide positive feedback to the central product and policy team to stay ahead in the market. o Ensure compliance to all Audit / NHB regulations as well as policies and procedures of the company.
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Requirements

• Experience in branch process management, sales strategy execution, and team management.
• Experience in managing growth and profitability of a branch, maintaining client relationships, and developing sales strategies.
• Experience in managing branch operating costs, monitoring quality of book, and ensuring minimum delinquency.
• Experience in collaborating with collections team for stress account closure.
• Experience in leading and supervising SM & RM teams, including hiring, training, and recognition.
• Experience in ensuring compliance with audit and NHB regulations and company policies.

Skills

Required

• Branch process management
• Sales strategy execution
• Client relationship management
• Team management and supervision
• Market and competitor analysis
• Compliance and audit knowledge