Piramal - Cross Sell Channel Manager - Secured + Rural Lending

Key Responsibilities:

1. End-to-End Cross-Sell Ownership (Secured & Rural Products):

Own Cross-Sell disbursement targets for:

1. Secured lending products (e.g., LAP, HL, Gold Loan, etc.)

2. Rural-focused lending products

- Drive cross-sell penetration for Secured + Rural lending products within the existing customer base

- Ensure strong alignment with cross-sell product strategy and GTM plans

2. Channel Execution Across different Physical channels:

Drive execution across:

1. Telecalling teams (outbound & assisted sales)

2. Branch Operations Team (doing Sales while Servicing the Customers)

3. Field sales / feet-on-street teams

4. Inbound contact center

- Translate campaigns into clear, actionable plans for each channel

3. Lead Funnel & Allocation Management:

Own the lead lifecycle across physical channels:

1. Lead allocation logic (which channel gets what leads)

2. Prioritization of high-propensity customers

3. Minimizing lead leakage and duplication

- Ensure optimal utilization of high-intent leads

4. Performance Management & Governance:

Track and drive:

1. Leads Login Approval Disbursement funnel

2. Daily productivity of agents / branches

3. Conversion rates by product and channel

- Conduct daily/weekly performance reviews with channel stakeholders

5. Sales Enablement & Capability Building:

Work with training teams to:

1. Develop product-specific pitch (secured & rural nuances)

2. Improve objection handling (collateral, documentation, pricing concerns)

- Ensure readiness of teams for new campaigns / product variants

6. Stakeholder Management:

Collaborate closely with:

1. Cross Sell Product Team targeting, campaigns, offer construct

2. Tech / Production Support for any issues in digital cross sell tech journeys impacting business

3. Credit / Underwriting Team For physical underwriter cross sell journeys any discussion for leads stuck at credit stage

4. Analytics Team lead quality, segment performance, dashboard issue for performance tracking