The Sales Manager - Loan on Cards will be responsible for driving the sourcing of Loan on Cards through digital channels across Pan India. This role focuses on boosting team productivity, managing costs effectively, and ensuring compliant sourcing practices. The manager will lead a team of 10 to 12 sales officers, overseeing hiring, training, and motivation to meet budgeted manpower and performance goals. Additionally, the role involves conducting regular training and refresher sessions, coaching the team on products and processes, and driving cross-selling initiatives including Merchant Acquiring, Credit Cards, Third Party Products (TPP), CASA, and other asset products. Reporting to the Cluster Head/Regional Head of the Loan on Cards Payment Business, the Sales Manager will also ensure adherence to sales processes and work closely with various stakeholders to maximize activation and usage among existing customers.
Key Responsibilities:
- Achieve assigned Loan on Cards (LOC) sales targets consistently.
- Recruit and onboard suitable Sales Officers (SOs) to build a strong sales team.
- Engage, train, and activate SOs to ensure high LOC productivity.
- Conduct regular visits to Sales Hubs and Branch Offices to monitor and support sales activities.
- Drive cross-selling of related products such as Merchant Acquiring, Credit Cards, TPP, and bank assets including Credit MEG OD and Retail Asset Loans.
- Minimize team attrition by fostering a motivating and supportive work environment.
- Coach and mentor the sales team on product knowledge, sales processes, and compliance requirements.
- Organize timely training and refresher sessions to keep the team updated and aligned with business goals.
- Ensure clarity of Product Launch Plans (PLP) and sales targets for all team members.
- Collaborate with internal stakeholders including Branch Banking Teams, Asset Verticals, Operations/CPA, Payment Product teams, and other cross-sell functions to drive integrated sales efforts.
Required Qualifications:
- Graduation is mandatory.
- Post-Graduation or MBA is preferred.
Preferred Qualifications and Skills:
- 2 to 4 years of experience in sales or relationship management roles.
- Prior experience in Banking, Telecom, FMCG, or Financial Services sectors is advantageous.
- Strong sales and influencing skills with a good understanding of banking products and processes.
- Excellent planning and organizational abilities to manage teams and meet targets effectively.
- Effective communication skills to engage with team members and stakeholders.
- Experience in team handling is preferred to lead and develop sales officers efficiently.
This role requires travel across regions and operates within job bands E1 to E4. The Sales Manager will play a crucial role in expanding the Loan on Cards portfolio while ensuring compliance and cost management. The position demands a proactive leader who can motivate a diverse team and drive cross-functional collaboration to achieve business objectives.
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