Cluster Sales Manager

Muthoot Finance; Kollam, Thrissur, Kozhikode district; Sur place; INR 1 200 000 - 1 600 000; Plein temps

Résumé du poste

Muthoot Finance seeks a Cluster Sales Manager (CSM) to drive Personal Loan cross-sell across multiple branches in the cluster. You will lead and mentor sales managers and executives, identify eligible customers, and push for branch-led growth through various sourcing channels.

You will coordinate with Credit, Operations and Branch teams to ensure timely disbursement and maintain high-quality sourcing while achieving monthly targets and revenue growth.

Qualifications

• Minimum experience in personal loan cross-sell within a bank or NBFC.
• Strong leadership to manage sales managers and executives.
• Proven ability to drive branch-level targets and revenue.
• Proficient in MIS and reporting for performance tracking.

Responsabilités

• Manage Personal Loan Cross-Sell across the assigned cluster.
• Lead, guide, and motivate sales teams to achieve targets.
• Identify eligible customers from existing base for loan offers.
• Drive customer acquisition through branch leads, tele-calling, and referrals.
• Ensure regular follow-up and conversion of leads to applications.
• Track the sales funnel from lead to disbursement.
• Conduct regular branch visits and review performance.
• Coordinate with Credit, Operations and Branch teams for timely disbursement.
• Support recruitment, onboarding, and training of team members.

Connaissances

Team leadership

Sales coaching

Branch management

Customer acquisition

Lead conversion

Performance tracking

Outils

MS Excel

Description du poste

Cluster Sales Manager Cross Sell Personal Loan

Job Description (JD)

Department: Cross Sell Personal Loan
Designation: Cluster Sales Manager (CSM)
Function: Sales & Business Development
Location: Cluster / Multiple Branches

Job Purpose

To drive personal loan cross-sell business across assigned branches by managing sales teams, maximizing opportunities from the existing customer base, achieving business targets, and ensuring quality sourcing and disbursement.

Key Roles & Responsibilities

• Manage and monitor Personal Loan Cross-Sell business across the assigned cluster.
• Lead, guide, and motivate Sales Managers / Sales Executives and ensure achievement of individual and cluster targets.
• Identify eligible customers from the existing customer database for personal loan offers.
• Drive customer acquisition through branch leads, tele-calling, digital leads, referrals, and other sourcing channels.
• Ensure regular follow-up with customers and convert eligible leads into personal loan applications.
• Monitor the complete sales funnel from lead generation login approval documentation disbursement.
• Conduct regular branch visits and review sales performance against daily, weekly, and monthly targets.
• Develop action plans for underperforming branches and team members.
• Ensure proper customer profiling, eligibility assessment, and recommendation of suitable loan solutions.
• Coordinate with Credit, Operations, Branch teams, and other stakeholders for smooth processing and timely disbursement.
• Ensure proper documentation and adherence to company policies, processes, and compliance requirements.
• Track competitor activities, market trends, and local business opportunities.
• Prepare and share MIS, productivity, conversion, login, approval, and disbursement reports with the Regional Sales Manager.
• Ensure quality business with minimum rejection, cancellation, and delinquency risks.
• Conduct regular team meetings, field visits, coaching, and performance reviews.
• Support recruitment, onboarding, and training of sales team members when required.

Key Performance Indicators (KPIs)

• Monthly Personal Loan Disbursement
• Login & Approval Achievement
• Lead Conversion Ratio
• Branch-wise Productivity
• Sales Team Productivity
• Customer Acquisition
• Revenue / Business Growth
• Quality of Sourcing
• Target Achievement
• Attrition & Team Stability