Sales Manager- Formal LAP-Tamil Nadu Karnataka And Telengana

Ujjivan Small Finance Bank Ltd.

Thiruvallur District

On-site

INR 600,000 - 900,000

Full time

2 days ago

Be an early applicant

A complete application in a minute

Tailored resume and cover letter, ready to send.

Get past ATS filters

Job summary

Ujjivan Small Finance Bank Ltd. in India seeks a Sales Manager–Formal LAP in the MSME segment to drive business, grow the DSA channel, and ensure timely repayments while controlling customer exits.

You will monitor targets daily/weekly/monthly, identify and develop the DSA network within sitting hub distance, provide training, and ensure payouts are on time.

The role requires 2–4 years of LAP/mortgage sales experience, formal segment exposure, and a two-wheeler with an Android smartphone.

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

Monitor targets daily/weekly/monthly against plans.
Identify and develop the DSA channel within defined distance of the Sitting Hub.
Provide updates and training to DSA; ensure payouts on time.
Create awareness in the market through direct and indirect marketing.
Track competition in terms of rates, credit assessment, DSA payouts, marketing activities.
Educate customers about all products/services offered by Ujjivan.
Minimize customer attrition by offering products as per needs.
Ensure delinquency is within norms and X-Bucket collection.
Ensure First time right logins and Disbursement within Turn-around Time.
Keep self up to date on circulars and products; participate in training and reviews.
Bike or scooter with smart phone is mandatory for the role

Skills

Financial statements

Financial ratios

Excel

Education

Any Graduate

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