Relationship Manager - Retail Sales

Tata Capital Finance Ltd; Dehradun; On-site; INR 600,000 - 1,000,000; Full time

Job summary

Tata Capital Finance Ltd in Dehradun is seeking a Relationship Manager for Retail Sales in Direct Housing channels. You will drive home loan sales, manage client relationships, and coordinate with DSAs and builders.

The role emphasizes mentoring a team of RM's, achieving targets, and ensuring end-to-end processing with Operations and Credit while staying compliant with NHB regulations.

Qualifications

• Graduate or postgraduate degree required.
• Experience in housing loans or retail banking preferred.
• Strong client relationship and cross-selling skills.

Responsibilities

• Drive sales targets for home loans and cross-sell to expand client base.
• Retain and grow home loan and LAP customer base for repeat business.
• Develop builder and DSA networks to increase approvals.
• Ensure end-to-end processing from login to disbursement with Operations and Credit.
• Lead and manage relationship managers to achieve team targets.
• Stay updated on market trends and NHB regulations.
• Maintain compliance with audits and policies.

Skills

Sales orientation

Team leadership

Client relationship management

Networking

Education

Graduate or Master's degree

Job description

Relationship Manager - Retail Sales - Direct Channel - Housing - DM - Sales - Dehradun - Rajpur Road - JM 11091

Core Responsibilities: Sales Process Management

• Aggressively drive the sales numbers and achieve the business targets for home loans and through cross selling while continuing to enhance and upgrade the client relationships.
• Retain and expand the company's base of customers for home loan and LAP channel so as to ensure repeat business or referrals
• Maximize sales through a network of DSA by effectively managing connector and builder relationships to ensure strong business
• Develop and maintain strong liaisons with the clients for repeat business or referrals.
• Maximize number of APFs and increase penetration in the approved APF projects.
• Identify and develop new builder/channel relationships so as to penetrate new markets and thereby increase business
• Ensure the files are processed from login stage to disbursement and liaise with internal departments (Operations and Credit) for completion.

Sales Planning and Team Management

• Optimize team productivity by effectively managing the team of relationship managers so as to assure achievement of team results and thereby meet the business targets and profitability of the area
• Align with the team on ground lead generation activities for Sales.
• Lead and supervise the team of relationship managers for the implementation of the growth agenda through appropriate training, motivation and deployment strategies

Industry & Governance

• Constantly keep abreast of market trends and competitor intelligence so as to build and develop effective sales and marketing strategies
• Use understanding of the markets / competition / process and products available in the markets to provide positive feedback to the central product and policy team to stay ahead in the market.
• Ensure compliance to all Audit / NHB regulations as well as processes, policies and reports as per company designed systems.

Qualifications

Graduate, Masters/Postgraduate