Tata Capital—Area Sales Manager - Retail MFB - Sales - Tiruvannamalai - Ram Nagar - JM

Job description

Description: 10036 - Leading a sales team of Sales Officer / field staffs to augment the Business Correspondent (BC) network of various financial institution & Direct channel business. - Build strategic partnerships with Universal Banks, NBFCs, NBFC-MFIs, Payment Banks, Small Finance Banks to provide an array of financial products and services for the channel partners. - Business development & expansion on business correspondence alliance partners - Innovate & develop retail asset products e.g. JLG Loans, Secured & Unsecured MSME Loans to suit the target customers and geographies. - Sales strategies to improve market share and Identification of business potential areas / districts for expansion of region - Enabling business growth by developing and managing a teams across assigned territories for deeper market penetration and reach. - Assess potential client base and product acceptability in new regions, areas & opportunities for geographical expansion of operational areas and setting up new business correspondence alliance partners - Ensure business growth and diversity of products in the region as per business plan - Create a support function structure in line with the product requirement to facilitate the appraisal, documentation, disbursement, repayment and delinquency management - Formulating collection strategy of your region and Preventative / risk averse measure to maintain quality portfolio - Plan / design sales contest at regional levels - Filed visits to monitor & guide the loan officers - Responsible for work force planning, recruitment & training, suited to handle various asset products across geographies - Ensuring staff skill development through meetings and continuous monitoring of various clusters on regular basis by identifying training needs as per the market trends and new business opportunities - Maintaining resource optimisation & operational cost. - Branch identification in your respective designated areas of operation. - Responsible for handling all Compliance, Audit, Legal, Customer Service, Operations, Logistics, Admin, HR etc related issues in your region. - Implementing best business practices and developing company strategies and programs while ensuring strict compliance and integrity. - Min 5yrs exp + Experience working in a NBFC, NBFC MFI, SFB or Bank - At least 2 years in a team handling and leadership role. - Must be familiar about business correspondent model working with top lending institutions & direct lending business. - Must have handle BC & JLG business. Key Skills - Relationship management, Business sourcing & portfolio management, - Well versed with understanding of credit underwriting, - Understand critical attributes of legal and governance requirements, - Good acumen of technology and automation, Business planning and product management Education: Post Graduate/ Graduate in any discipline