External-SM-SF MSME LAP

1. POSITION DESCRIPTION

JOB TITLE

Sales Manager-Semi Formal LAP

GRADE

SM

DEPARTMENT

MSME

LOCATION

Branch

SUB-DEPARTMENT

Business

TYPE OF POSITION

Full-time

REPORTS TO

Area Business Manager/Circle Business Manager - LAP

REPORTING INTO

Portfolio Relationship Manager

1. ROLE PURPOSE & OBJECTIVE

• As Sales Manager, he or she will be responsible for achieving Business targets and managing healthy Portfolio, by ensuring timely repayments and controlling customer exits.

• This role seeks to drive business volume through the Direct Sales Agent (DSA) channel.

1. SIZE OF THE ROLE

FINANCIAL SIZE

NON-FINANCIAL SIZE

• Monthly Business volume as per the business target, average monthly productivity of 40 – 75 lacs

• X-Bucket Collections as per defined norms

• Insurance cross-sell coverage on 100% of customers

• Family SA and Business CA sourcing

• Coordination with Credit Manager for case approval and CAD and Operations for case disbursement.

• Maintains Daily sales report and sharing with supervisor.

• Maintains DSA tracker for pay-out processing

1. KEY DUTIES & RESPONSIBILITIES OF THE ROLE

Business

• Daily/ Weekly /Monthly monitoring of the accomplishment of targets according to the annual/monthly targets established

• Identification and development of DSA channel, around the defined distance of the Sitting Hub

• Provides regular updates and training to DSA channel; Ensure payout to DSA are on time

• Create Awareness in the market through direct and indirect marketing

• Tracks competition in terms of rates, credit assessment, DSA payouts, marketing activities

Customer

• Ensure customers are educated about all products/services offered by Ujjivan.

• Ensure lower customer attrition by providing different products as per customer requirement.

• Focus on lower TAT as per laid down standards.

Internal process

• Ensure delinquency is within norms and does X-Bucket collection.

• Ensure First time right (FTR) logins, Disbursement within TAT (Turn-around time), Collection of OTC, PDD

Learning & Performance

• Ensure that self is up to date on all relevant circulars and all products/services offered in the Branch

• Ensure adherence to training man-days/ mandatory training programs for self

• Ensure goal-setting, mid-year review and annual appraisal process within specified timelines for self

Bike or scooter with smart phone is mandatory for the role

1. MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS

Educational

Qualifications

• Any Graduate

Experience (Years and Core Experience Type)

• 2 – 4 years of experience in LAP or Mortgage sales

• At least 1-year experience in semiformal segment

Certifications

NA

Other Requirement

• 2-Wheeler & Android Smart Phone

Functional Skills

• Familiarity with Excel

Behavioral Skills

• Diligent

• Willingness and ability to communicate with multiple people

Competencies

• Dependability, Attention to detail

1. KEY INTERACTIONS

INTERNAL

EXTERNAL

• Supervisors – Area Sales Manager, RBM

• Credit Manager, Legal Manager, Internal Valuer

• CAD, Operations

• DSA

• Legal and Technical Vendors

PREPARED BY: Indrajeet Hari

DATE : 12-04-2023

REVIEWED BY: Ashim Sarkar

DATE : 05-01-2024

LAST UPDATED BY: TM Team

DATE : 08-01-2024