Sales Manager

Role & responsibilities

The Sales Manager PL Cross Sell is responsible for driving Personal Loan sales by leveraging the existing customer base. The role focuses on identifying cross-sell opportunities, achieving business targets, managing channel productivity, and ensuring excellent customer experience while adhering to the organization's compliance and risk guidelines.

Key Responsibilities

• Drive Personal Loan cross-sell business through existing customers and internal channels.
• Achieve monthly, quarterly, and annual sales targets.
• Identify and convert eligible customers for Personal Loan offerings.
• Build and maintain strong relationships with branch teams and other internal stakeholders to generate quality leads.
• Monitor sales funnel, conversion ratios, and productivity metrics.
• Ensure timely follow-up and closure of customer leads.
• Train and guide sales executives and channel partners on product features, sales techniques, and compliance requirements.
• Coordinate with Operations, Credit, and Risk teams for smooth loan processing and disbursement.
• Maintain high standards of customer service and resolve customer queries promptly.
• Ensure adherence to regulatory requirements and company policies.
• Prepare and present MIS reports, sales forecasts, and performance analysis.

Key Performance Indicators (KPIs)

• Personal Loan cross-sell volume and value.
• Achievement of assigned sales targets.
• Lead conversion ratio.
• Customer acquisition and activation.
• Portfolio quality and delinquency levels.
• Productivity of sales team/channel partners.
• Customer satisfaction and turnaround time.

Qualifications

• Bachelor's degree in Business Administration, Commerce, Finance, Marketing, or a related field.
• MBA or equivalent qualification is preferred.

Experience

• 3-5 years of experience in retail banking, NBFCs, or financial services.
• Minimum 2–3 years of experience in Personal Loan sales or cross-selling financial products.
• Experience in managing sales teams and achieving business targets.

Required Skills

• Strong sales and relationship management skills.
• Excellent communication and negotiation abilities.
• Knowledge of Personal Loan products and lending processes.
• Analytical and problem-solving skills.
• Leadership and team management capabilities.
• Proficiency in CRM systems and Microsoft Excel.
• Ability to work in a target-driven environment.

Preferred candidate profile