Sales Manager – MT

Business Unit: Retail Finance Group Vertical

Location: Band/Grade Management Trainee

Department: Sales Degree of travel required Extensive

Piramal Capital & Housing Finance ltd. , as a commitment to serve all lending
Purpose of Job:
needs of consumers of “Bharat” is hiring dynamic sales managers for its retail
business. Incumbent should have passion for understanding the customer
need & driving sales for products which are carefully designed around them.

External Internal
Key Stakeholders:
• Customers • Sales, Credit & Operations Team
• Channels • Customer Service Team
• Collections Team

Reporting Structure: Role directly reports to Positions that reports into this
role

Cluster Sales Manager RM/ Sr RM

Essential • Graduate from an accredited college

Qualifications: • Post Graduation (Marketing) required

• Ability to liaison & follow-up with external and internal stakeholders

Essential • Experience of recruiting and training of sales team and channel partners
Experience/Skills: • Good written & verbal communication skills
• Ability to work under tight deadlines
• Knowledge and understanding of the local Unsecured Business Loan
market
• Knowledge of compliance regulations as issued by NHB, RBI etc.

Key Roles/Responsibilities:
1. Responsible for establishing the Piramal brand and managing the sales and business
development activities for the small ticket Unsecured Business Loan segment
2. Responsible for overall sales and cross sell targets through building and development of internal
team and external channels (micro - connectors, micro campaigns and centralised leads) and also
maintain adherence to customer satisfaction and profitability metrics
3. Monitor the leads and check for the quality of sourcing and ensure quick conversion of prospects
as per the targets set
4. Implement and engage in branch promotion activities for establishing the brand and increasing
market coverage

Internal Use--Confidential
 Continued
5. The incumbent is required to have a good knowledge and understanding of the local unsecured business
loan market
6. Responsible for customer management including all the customer related queries, issues, grievances and
focus on resolving them at the earliest along with other cross functional teams in the branch
7. Ensure that all customer documentation is maintained in the prescribed format and transfer of documents
is done safely and seamlessly
8. Provide market feedback on product offerings, channels and processes to the senior levels to improve the
same
9. Deploy and ensure adherence by team to effective controls and processes to ensure risks are measured,
monitored and controlled on an on-going basis
10. Collaborate and provide requisite data for risk management and internal audit processes
11. Responsible for knowing and complying with all the legal requirements as per the law of the land
12. Support collections team in assessing delinquency
13. Ability to hire and build DST team and provide support to HR in hiring process
14. Responsible for payment of channel partners (connectors) timely
15. Ensure DST and channel partners (connector) development through right training initiatives
16. Model and foster behaviours that support the organization’s values and culture creating an atmosphere of
trust, cooperation, accountability and dedication to the organization
17. Monitor individual & team performance and take steps to improve productivity and correct aberrations
18. Ensuring that the engagement and motivation levels are high in the team
19. Willingness to adapt to digital tools and processes
Key Performance Indicators:

• Disbursement numbers and value

• High yield
• Business sourcing - login and channel recruitment
• Channel activation
• Audit Scores and compliance monitoring
• Team productivity and participation
• Employee retention and engagement
• Training and development of the team and channel partners
• Maintaining portfolio quality
• Customer service score
• Insurance cross sell, fee collection
Core Competency:

• Strong Management and Leadership Skills - Lead by example with good team management skills
• Execution & Delivery - Takes ownership providing timely and result oriented solutions with operational
excellence
• Accountability - Responsible for the tasks assigned under the ambit of the key responsibilities of the role and
additionally for any dependencies with cross functional teams
• Team - Work & Collaboration - Fosters a culture of trust, collaboration and support
• Effective Communication - Communicates timely and responsively with clarity and effect (both verbal and
written). Seeks and provides feedback
• Innovation – Self driven and encourages others to actively look beyond boundaries for new insights and
opportunities for success
• Customer Service Orientation - Identifies and anticipates customer needs and responds to them by
maintaining long term relationships

Internal Use--Confidential