Job Name - PA (Business Unit) : Sales Mgr-Auto

Job Title : (Job Name) - Sales Mgr-Auto

Business Unit (PA) : Retail Assets - Auto Loans

Team : (Sub team in the PA) : East/North1/North2/South 1/South 2/West1/West2/ Rural Sales & Vertical Head Used Car Loan.

Reports to (job) : Regional Sales Manager / Regional Business Manager - Auto Loan

Location of role : Auto Region

Job Fn : Sales

Role Type: Individual Contributor

Travel Required: Moderate / Not required

Job Band Range : E1-E4

Job Purpose :

- To achieve Business Volumes in respective channels handled

- Handle product lines of New cars/Used cars and Refinance

- Handle multiple verticals 

- Open Market/Branch/Alternate Distribution.

- Team Management. off roll

- Relationship management-Channels/Distribution

- Drive overall strategy of the Bank in the region

- Ensure Market share

- Cross sell of products including Third Party

- Priority Sector lending

- Customer retention and service

Job Responsibilities(JR) :

Business Numbers :

- To achieve targeted Business volume at given WIRR and CoA. Individual target for all verticals are met.

Distribution :

- To have proper distribution mix between Dealer, DSA, Branch and ADC to maintain channel mix and resultant COA advantage.

- To achieve agreed business growth & cost advantage from new geographies;

- To achieve and maintain agreed market share as a percentage of overall market size

PDDs : To PDDs outstanding post 90 days of disbursement within benchmarks set.

TAT/ FTNR/ MCP : To ensure files come as per MCP parameter and disbursed within TAT.

Third party Income : To achieve targeted Insurance revenue, DSC collection, FD, CASA and CC sourcing Month on Month.

Relationship : Timely visits and healthy relationship with DSA / DDSA / Zonal Heads and Regional OEM offices.

Inventory : To have coverage of Inventory at all major dealerships and to ensure timely repayments within tranche period as defined and retail conversions of minimum 20% from the dealerships using Inventory limits

Collections : Ensure monthly review with collections and need to draw action point, to control cheque bouncing, early delinquency and overall portfolio

Productivity : Ensure BDR benchmark productivity of region is maintained

Human Resource : Ensure team is highly motivated and adequately trained to take up higher challenges.

Educational Qualifications :

- Graduation / Post-Graduation

Key Skills :

- Sales and Influencing Skills

- Banking Product & Process Knowledge

- Planning and Organizing Skills

- Communication

- Knowledge of Competition & Current trends in financial Industry.

Experience Required :

- Minimum experience in years - 0-5 years

- Exposure to banking preferable

Major Stakeholders :

- Customers

- Branch Banking Team

- Credit / Operations/ RIC / Collections

- Product Team

- Insurance

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