Sales Manager-Formal LAP MSME

Ujjivan Small Finance Bank Ltd.

Gurugram District

On-site

INR 600,000 - 1,000,000

Full time

2 days ago

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Job summary

Ujjivan Small Finance Bank Ltd. is seeking a Sales Manager–Formal LAP in India to drive business volumes through the Direct Sales Agent (DSA) channel while maintaining a healthy portfolio and ensuring timely repayments.

The role requires monitoring targets, educating customers about products, and reducing attrition across MSME lending, with close collaboration to Area Sales Manager and RBM. A two-wheeler and Android smartphone are mandatory.

Qualifications

Understanding Financial statements including P&L, B/S, Cash Flow and Audit report.
Financial ratio understanding like Current ratio, Gearing, Inventory days and such.
Familiarity with Excel.

Responsibilities

Daily/ Weekly /Monthly monitoring of targets according to the annual/monthly targets established.
Identification and development of DSA channel, around the defined distance of the Sitting Hub.
Provides regular updates and training to DSA channel; Ensure payout to DSA are on time.
Create Awareness in the market through direct and indirect marketing.
Tracks competition in terms of rates, credit assessment, DSA payouts, marketing activities.
Identification and Fitment of customer to Ujjivan MSME policy through understanding of customer financials.
Ensure customers are educated about all products/services offered by Ujjivan.
Ensure lower customer attrition by providing different products as per customer requirement.
Focus on lower TAT as per laid down standards.
Ensure delinquency is within norms and does X-Bucket collection.
Ensure First time right (FTR) logins, Disbursement within TAT, OTC, PDD.
Ensure that self is up to date on all relevant circulars and all products/services offered in the Branch.
Ensure adherence to training man-days/ mandatory training programs for self.
Ensure goal-setting, mid-year review and annual appraisal process within specified timelines for self.

Skills

Financial statement analysis

Communication skills

Attention to detail

Diligence

Education

Any Graduate

Tools

Excel

Job description

Job Description:

Job Title

Sales Manager–Formal LAP

Grade

Department

MSME

Location

Region/Branch

Sub-department

Business

Type of Position

Full Time

Reports To

Area/Circle Business Manager

Reporting Into

Portfolio Relationship Manager

Role Purpose & Objective

As Sales Manager, he/she will be responsible for achieving Business targets and managing healthy Portfolio, by ensuring timely repayments and controlling customer exits for Formal LAP business.
This role seeks to drive business volume through the Direct Sales Agent (DSA) channel.

Key Duties & Responsibilities of the Role

Business

Daily/ Weekly /Monthly monitoring of the accomplishment of targets according to the annual/monthly targets established
Identification and development of DSA channel, around the defined distance of the Sitting Hub
Provides regular updates and training to DSA channel; Ensure payout to DSA are on time
Create Awareness in the market through direct and indirect marketing
Tracks competition in terms of rates, credit assessment, DSA payouts, marketing activities

Customer

Identification and Fitment of customer to Ujjivan MSME policy, through understanding of customer Financial statements (P&L, B/S) and Financial ratio calculation; GST records and Bank statements
Ensure customers are educated about all products/services offered by Ujjivan.
Ensure lower customer attrition by providing different products as per customer requirement.
Focus on lower TAT as per laid down standards.

Internal process

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

Learning & Performance

Ensure that self is up to date on all relevant circulars and all products/services offered in the Branch
Ensure adherence to training man-days/ mandatory training programs for self
Ensure goal-setting, mid-year review and annual appraisal process within specified timelines for self

Bike or scooter with smart phone is mandatory for the role

Minimum Requirements of Knowledge & Skills

Educational

Qualifications

Any Graduate

Experience (Years and Core Experience Type)

2-4 years of experience in LAP and/or Mortgage sales
At least 2-year experience in formal segment (Vertical with Loan Ticket size > Rs 1 crores)

Certifications

Functional Skills

Understanding Financial statements including P&L, B/S, Cash Flow and Audit report
Financial ratio understanding like Current ratio, Gearing, Inventory days and such.
Familiarity with Excel

Asset Requirement