RL - Consumers:Area Sales Manager - Personal Loan - Branch

Area Sales Manager PL Branch – CONSUMER LOANS, RETAIL LENDING

About the Business Group: The Consumer Loan department is a part of Retail Lending business of the bank and offers Personal loans and Education Loans to all categories of customers Pan India. About the Role: The role Area Sales Manager – Personal Loan involves driving Personal Loan business through a team of Sales Managers, ensure growth in Book Size, maintain product level profitability, build a robust distribution, deliver on the new initiatives rolled out. It requires strategic planning and execution to boost revenue, grow the portfolio, and maintain risk and compliance. Details of the Role: DepartmentRetail LendingGradeM/SM/AVP Sub-DepartmentRL- Consumer LoansReporting (Business)AVP/VP LocationMumbaiReporting (Matrix) Key Responsibilities:

• Business Goals & Profitability
• Responsible for driving the P&L of Personal Loans
• Prepare the sales budget and execute strategies that enable achieving the target
• Prepare Monthly, Quarterly, and Annual sales forecasts and be responsible for the Area sales target along with the growth and profitability of the portfolio

• Audit, Compliance, and Risk Management
• Ensure risk compliance through the completion of FCI and Internal Investigations observations, and repeat observations, ensuring timely and satisfactory closure.
• Be responsible for the quality of the business portfolio by closely working with Risk and Credit teams and ensuring RAC Audits.