Area Sales Manager - Working Capital/Term Loan/LAP

Achieves sales targets for the local area through

1. Monitoring pipeline funnel & developing a plan with the team to achieve book size and market share

2. Planning & implementing initiatives to identify and bring on board new channel partners

- Achieves the area gross contribution

- Monitors local market trends and competitive offerings & identifies opportunities for business expansion for the region

- Ensures minimal client attrition through strong client engagement activities

- Engages with the investment bankers, chartered accountants and brokers in the for sourcing new business on a regular basis

- Raises escalation on delinquent cases/ potential NPAs and closely monitors these through the team for collection dues.

- Tracks key accounts in the portfolio with regard to health of the business and potential early warning signs of NPAs

Client Acquisition & Relationship Management :

- Drives new client acquisition and retention through mapping of key clients in the area & establishes relationships with them to maintain/ enhance the pipeline funnel.

- Increases quantum of area business through strong focus on cross-selling initiatives & innovative product mixes.

- Identifies business potential in new geographic s of the region & penetrates them through marketing events in strategic locations

- Cultivates a deeper customer bonding by ensuring faster TATs in collaboration with the Credit analysts, enabling the use of technology to improve operational efficiencies & responsiveness in customer service to ensure retention of existing customers.

- Recommends development of new products based on local market and competitor insights and trends

- Supports enhancements to existing product service mix according to local specifications by providing inputs to the RSM

Reporting, Audits & Internal Compliance

Portfolio quality, Profitability- Maintain quality of portfolio to minimize NPAs,Implement measures to ensure profitability

People Management