Sales Manager - Direct Retail - North 24 Paraganas

Role Overview

This role involves leading sales activities for Aditya Birla Capital's retail division in North 24 Paraganas, West Bengal. The Sales Manager will collaborate with the Assistant Sales Manager (ASM) to plan and execute sales strategies aimed at achieving set targets, by analyzing competitive markets and regional trends, then guiding teams accordingly.

Sales Planning and Monitoring

• Conduct regular reviews of local market competition and offerings to identify opportunities and challenges.
• Consistently track progress towards sales targets and intervene with sales efforts, including personal networking and prospecting, to meet goals.
• Clearly communicate sales objectives, role expectations, product details, and unique selling points to enhance team performance.
• Implement sales schemes to boost revenue and profitability while managing costs.
• Prepare and present routine MIS reports covering disbursements, profitability, NPAs, and market expansion to management and team members.

Customer Acquisition and Engagement

• Spot opportunities for growth within the local market and support customer acquisition initiatives.
• Assist team members with complex transactions to ensure successful closure and customer satisfaction.
• Address customer complaints effectively and escalate issues to ASM when necessary to maintain strong client relationships.

Operational Efficiency

• Oversee business processes throughout the customer lifecycle, including sourcing, approval, servicing, and collections.
• Focus on managing distribution channels and coordinate with senior stakeholders to maintain smooth operations.
• Engage with different departments such as Risk, Operations, and Sales Governance to improve process efficiency and reduce turnaround times.
• Drive adoption of best practices and process improvements to increase productivity and business impact.

Cross-Selling Initiatives

Lead the team to implement cross-selling strategies for Aditya Birla Financial Services Group products by providing communication, training, and client interactions as needed.

Team and Stakeholder Management

• Mentor and develop team members to enhance customer acquisition and engagement capabilities.
• Identify team members for relevant technical and behavioral training modules for skills development.
• Collaborate with internal stakeholders to ensure operational alignment and achievement of sales targets.

Portfolio and Risk Oversight

• Work closely with Risk, Operations, and Sales Governance teams to comply with risk management policies.
• Promote compliant sales practices and proactively train the team on early warning indicators to minimize Non-Performing Assets (NPAs).
• Maintain accurate and timely MIS reports on NPAs and credit trends, while providing insights on factors affecting portfolio quality.