Sales Manager-Formal LAP (MSME)

Ujjivan Small Finance Bank; Bardhaman; On-site; INR 600,000 - 900,000; Full time

Job summary

Ujjivan Small Finance Bank Ltd. is seeking a Sales Manager to drive business through the Direct Sales Agent (DSA) channel and manage a healthy portfolio by ensuring timely repayments and reducing customer exits in the Formal LAP segment.

The role involves coordinating with the Credit Manager for case approvals, with CAD and Operations for disbursements, and maintaining daily sales reports for supervisor review. A 2–4 year track record in LAP/mortgage sales is preferred.

Qualifications

• Graduate with 2–4 years in LAP or mortgage sales.
• Experience in formal segment with loan ticket > Rs 1 crore.
• Knowledge of P&L, balance sheet and cash flow.

Responsibilities

• Monitor daily/weekly/monthly target achievement against set plans.
• Identify and develop the DSA channel within defined sitting hub distances.
• Provide updates and training to DSA channel; ensure payouts are on time.
• Create market awareness through direct and indirect marketing efforts.
• Track competition on rates, credit assessment, DSA payouts and marketing activity.

Skills

DSA channel management

LAP/Mortgage sales

Financial statements understanding

Customer education on products

Excel

Education

Any Graduate

Tools

Credit appraisal tools

Job description

AsSales Manager, he/she will be responsible for achieving Businesstargets and managing healthy Portfolio, by ensuring timelyrepayments and controlling customer exits for Formal LAPbusiness.

Thisrole seeks to drive business volume through the Direct SalesAgent (DSA) channel.

SIZEOF THE ROLE

• FINANCIALSIZE
• NON-FINANCIALSIZE
• MonthlyBusiness volume as per the business target, having averageproductivity of 75 – 150 lacs
• X-BucketCollections as per defined norms
• Insurancecross-sell coverage on 100% of customers
• FamilySA and Business CA sourcing
• Coordinationwith Credit Manager for case approval and CAD and Operations forcase disbursement.
• MaintainsDaily sales report and sharing with supervisor.
• MaintainsDSA tracker for pay-out processing

KEYDUTIES & RESPONSIBILITIES OF THE ROLE

Business

• Daily/Weekly /Monthly monitoring of the accomplishment of targetsaccording to the annual/monthly targets established
• Identificationand development of DSA channel, around the defined distance ofthe Sitting Hub
• Providesregular updates and training to DSA channel; Ensure payout to DSAare on time
• CreateAwareness in the market through direct and indirect marketing
• Trackscompetition in terms of rates, credit assessment, DSA payouts,marketing activities

Customer

• Identificationand Fitment of customer to Ujjivan MSME policy, throughunderstanding of customer Financial statements (P&L, B/S) andFinancial ratio calculation; GST records and Bank statements
• Ensurecustomers are educated about all products/services offered byUjjivan.
• Ensurelower customer attrition by providing different products as percustomer requirement.
• Focuson lower TAT as per laid down standards.

Internalprocess

• Ensuredelinquency is within norms and does X-Bucket collection.
• EnsureFirst time right (FTR) logins, Disbursement within TAT(Turn-around time), Collection of OTC, PDD

Learning& Performance

• Ensurethat self is up to date on all relevant circulars and allproducts/services offered in the Branch
• Ensureadherence to training man-days/ mandatory training programs forself
• Ensuregoal-setting, mid-year review and annual appraisal process withinspecified timelines for self

Bikeor scooter with smart phone is mandatory for the role

MINIMUMREQUIREMENTS OF KNOWLEDGE & SKILLS

Educational

Qualifications

• AnyGraduate

Experience(Years and Core Experience Type)

• 2-4years of experience in LAP and/or Mortgage sales
• Atleast 2-year experience in formal segment (Vertical with LoanTicket size > Rs 1 crores)

Certifications

• NA

FunctionalSkills

• UnderstandingFinancial statements including P&L, B/S, Cash Flow and Auditreport
• Financialratio understanding like Current ratio, Gearing, Inventory daysand such.
• Familiaritywith Excel

AssetRequirement

• 2-Wheeler& Android Smart Phone

BehavioralSkills

• Willingnessand ability to communicate with multiple people

KEYINTERACTIONS

INTERNAL

EXTERNAL

• CreditManager, Legal Manager, Internal Valuer