Sales Manager - Emerging Enterprises Group - BFSI

HDFC Bank Ltd was promoted in the year 1994 by the premier housing finance company of the country, HDFC Ltd. The Bank commenced operations as a Scheduled Commercial Bank in January 1995.

Today the Bank has a nationwide network of over 1725 branches and 4232 ATMs spread over 779 towns and cities across India

The Bank's American Depository Shares (ADS) are listed on the New York Stock Exchange (NYSE) and the Global Depository Receipts (GDRs) are listed on Luxembourg Stock Exchange. The Bank has been bestowed with numerous awards and accolades from top national and international agencies & magazines.

HDFC Bank comprises of a dynamic and enthusiastic team determined to accomplish the vision of becoming a World-class Indian bank. Our business philosophy is based on our four core values - Customer Focus, Operational Excellence, Product Leadership and People. We believe that the ultimate identity and success of our bank will reside in the exceptional quality of our people and their extraordinary efforts. We are committed to hiring, developing, motivating and retaining the best people in the industry

The Bank’s objective is to build sound business franchises across distinct businesses so as to be a preferred provider of banking services for target retail and wholesale customer segments. We are committed to healthy growth in profitability while ensuring the highest levels of ethical standards, professional integrity, corporate governance and regulatory compliance.

Sales Manager - Emerging Enterprises Group

(Karnal)

Responsibilities:

- Take over of the portfolio from acquisition team and enhance the portfolio based on customer requirement

- Complete renewal of the account, Call Memo, Site and plant visit. Ensure customer submits the stock statement on time

- Ensure that the limits are utilized by the customer

- Ensure regularization of delinquent accounts

- Review and exit of stressed accounts

- Ensure cross sell of liability and other asset products

- Ensure fee income growth by increasing the NFB Limits, FX and insurance sales

- Interaction with the credit and ops team for sanction of renewals and limit updation

- Complete ownership of a portfolio of between app. 35 productive accounts. The number of accounts managed may vary depending upon asset size of the portfolio, geography covered, operational intensity and branches mapped to the RM. He is bank’s face to the customer

- Responsible for the growth of the portfolio (organic and inorganic), ensuring targets are met and there is availability of an increased revenue stream

- Credit Management & Housekeeping: Primarily includes CAM preparations and timely renewals, obtaining and closing deferrals, plant and site visits and preparation of call memos, obtaining and deciphering stock statements, quarterly results, insurance. TOD management.

- Ensuring the quality of Portfolio: Be on the lookout for stress signs in the client operations / activity and address them

Day to day Activities:

- CAM / SRM

- Documentation Pre-sanction and post sanction

- Customer negotiation on rates and other terms

- Updating LTS and conversion of leads

- Regular Branch interaction

- Daily servicing of customer

- Call Memo preparation

- Site visit / plant /property visitation

- Supporting RMs for the above activities for their accounts

Requirements:

- Should have prior knowledge of working capital products

- B com graduate /MBA finance/CA

- Should be willing to travel and coordinate with outstation location executives for completion of documentation

- Excellent communication and interpersonal skills

- Atleast 2 years experience in customer service ( with field visit)

- Experience in working capital (CC Limits etc) candidates having knowledge of mortgages and financials Products, Good Managerial Skills

- At least 2 year of working experience in the related field is required for this position

- Candidate must possess at least a Master in Business Admin/Post Graduate Diploma in Business Administration/Post Graduate Program in Management or Chartered Accountancy in Marketing or equivalent