Personal Loan Sales Executive

Kotak Mahindra Bank Limited; Bengaluru; On-site; INR 300,000 - 520,000; Full time

Job summary

Kotak Mahindra Bank Limited is seeking a Sales Executive for Personal Loan sales in Bengaluru. You will identify potential customers, promote loan products, and guide applicants through the process while ensuring compliant documentation and strong service levels.

The role requires 1–2 years of sales experience, with a focus on banking/finance. Local travel and a target-driven mindset are essential to achieve personal and team sales goals.

Qualifications

• Graduate with 1–2 years of sales experience (Banking/NBFC/Finance preferred).
• Strong communication and customer handling skills.
• Target-driven and willing to travel locally.
• Proficiency with CRM systems and sales tracking tools.

Responsibilities

• Generate leads and acquire new customers.
• Achieve assigned personal loan sales targets.
• Guide customers through the loan application process.
• Ensure proper documentation and timely processing.
• Build relationships with customers and channel partners.
• Coordinate with internal teams for loan disbursement.
• Maintain compliance and deliver excellent customer service.
• Promote personal loan products to potential customers.
• Conduct needs assessments to understand customer requirements.
• Offer personalized loan solutions with clear terms.
• Stay updated with market trends to provide competitive solutions.

Skills

Communication skills

Negotiation skills

CRM experience

Sales-driven

Customer relationship

Analytical skills

Adaptability

Team collaboration

Education

Bachelor's degree in business, finance, marketing, or related field

Tools

CRM systems

Sales tracking tools

Job description

Sales Executive-Personal Loan-Sales

As a Sales Executive, you will be responsible for promoting and selling personal loans to potential customers. Your role will involve identifying and targeting prospective clients, understanding their financial needs, and offering tailored loan solutions. You will build strong relationships with customers, providing excellent service and ensuring a positive borrowing experience. Your efforts will contribute to the bank's overall sales targets and help drive business growth.

Job Summary

Responsible for sourcing Personal Loan customers, achieving sales targets, generating leads, and maintaining customer relationships while ensuring compliance with bank policies.

Key Responsibilities

• Generate leads and acquire new customers.
• Achieve assigned personal loan sales targets.
• Guide customers through the loan application process.
• Ensure proper documentation and timely processing.
• Build relationships with customers and channel partners.
• Coordinate with internal teams for loan disbursement.
• Maintain compliance and deliver excellent customer service.

Additional Responsibilities

• Proactively identify and engage with potential customers to promote personal loan products.
• Conduct thorough needs assessments to understand customer financial requirements.
• Offer personalized loan solutions, explaining terms and conditions clearly.
• Build and maintain a strong network of customer relationships.
• Achieve individual and team sales targets, ensuring consistent performance.
• Stay updated with market trends and competitor offerings to provide competitive solutions.
• Collaborate with colleagues to cross-sell other bank products and services.
• Provide exceptional customer service, addressing queries and concerns promptly.
• Maintain accurate records and documentation for loan applications and approvals.
• Attend sales meetings, training sessions, and events to enhance skills and knowledge.

Eligibility

• Graduate in any discipline.
• 1-2 years of sales experience (Banking/NBFC/Finance preferred).
• Strong communication and customer handling skills.
• Target-driven and willing to travel locally.

Qualifications & Skills

• A bachelor's degree in business, finance, marketing, or a related field is preferred.
• Minimum 2 years of experience in sales, preferably in the banking or financial services industry.
• Excellent communication and interpersonal skills, with a customer-centric approach.
• Strong sales and negotiation skills, with a proven track record of achieving targets.
• Ability to build rapport and establish long-term customer relationships.
• Proficiency in using CRM systems and sales tracking tools.
• Good knowledge of personal loan products, including features and benefits.
• Analytical skills to interpret data and make informed sales decisions.
• Flexibility to work in a dynamic and fast-paced environment.
• A self-motivated and results-driven attitude with a passion for sales.

Experience Level Mid Level