Strategic Planning

• Develop and implement strategies to personal loan to existing customers on a
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• Cluster level.
• Collaborate with senior management to align cross-selling initiatives with overall business objectives.

Sales Leadership

• Lead and manage a cluster sales team, providing guidance, coaching, and performance feedback
• Set sales targets and ensure the team meets or exceeds sales goals

Sales & Profitability

• Work closely with marketing, product development, and other relevant departments to optimize cross-selling campaigns.
• Monitor and analyze sales performance metrics to identify areas for improvement and implement corrective actions and strategies to address performance gaps.
• Develop sales growth strategy, target market identification, mapping company's offerings to market needs in a fast-paced environment.
• Sales budgeting, team requirement, salary costing, design incentive structure and targets
• Develop and execute business plans for achieving the targets of the (PL -

Business Development         

• Create and drive direct &alternate channels for Sales along with the regular channels.   
• Build and maintain strong relationships with existing customers to understand their financial needs and implement customer segmentation strategies for targeted cross-selling efforts.
• Scan Personal loan market and competitive offerings on a periodic basis; report on emerging trends and business opportunities for the consumer business.
• Understand market dynamics and accordingly suggest Credit & product team in devising competitive pricing structure periodically

Behavioural Competencies

Intrapreneurship: Has business focus; Remains abreast with business and market realities and puts business in front.

Strategic:  Visualizing business risks; having long-term vision and come up with priorities and ideas.

Problem Solving: Ability to get to the root cause of the problem and come up with solutions.

Decision Making: Using facts, data and experience, to take appropriate and timely decisions.

Team Management: Ability to handle, motivate, coach and develop a team; ability to delegate tasks, conduct reviews and give constructive feedback.