Sales Manager - Retail Sales

Tata Capital; Kanpur; On-site; INR 1,500,000 - 2,500,000; Full time

Job summary

Tata Capital is seeking a Branch Manager in India to drive branch performance, manage lending processes from inquiry to disbursement, and lead a sales-focused team. The role emphasizes client liaison, channel partnerships, and regulatory compliance to grow profitability and customer base.

The position requires strong leadership, market insight, and the ability to optimize costs while expanding market presence. A hands-on approach to governance and audits will support sustainable growth.

Responsibilities

• Execute the defined strategy to achieve branch performance.
• Create a demand funnel and meet sales forecasts with strong client relationships.
• Manage growth and profitability by maintaining competitive knowledge to sharpen sales strategies.
• Expand and retain customers for affordable home loans through liaising with clients and channel partners.
• Build a defined source mix of direct and indirect sourcing channels.
• Capitalize on opportunities, builder tie-ups, and plan joint promotions with developers.
• Facilitate development of new locations to penetrate new markets and grow business.
• Ensure smooth lending processes from inquiry to disbursement and post-sale service.
• Manage post-sales customer/channel partner escalation.
• Coordinate and supervise key departments and map lending product roadmaps.
• Manage branch operating costs including acquisition costs, expenses and operations.
• Monitor book quality to minimize delinquency at the branch.
• Support closure of stress accounts with the collections team.
• Optimize and monitor team productivity by managing sales managers to hit targets.
• Collaborate effectively with channel partners.
• Lead and supervise the SM RM team with hiring, training, rewards.
• Responsible for overall administrative functioning of the branch.
• Ensure active distribution span of control at the branch as per norms.
• Stay updated on market trends and competitor intelligence to shape sales strategies.
• Establish internal controls for legal compliance and conduct audits to prevent fraud.
• Provide market feedback to central product and policy teams to stay ahead.
• Ensure compliance with Audit/NHB regulations and company policies.

Job description

Core Responsibilities:

Branch Process Management

• Execute the defined strategy to achieve the defined performance of the branch.
• Create a demand funnel and efficiently meet sales forecasts by maintaining a good relationship with clients
• Manage growth and profitability of the branch by maintaining competitive knowledge so as to create and adjust sales strategies
• Expand and retain the companys base of customers for affordable home loans by developing and maintaining strong liaisons with the clients/channel partners for repeat business or referrals while also ensuring they are part of our future projects.
• Build and develop a defined source mix comprising of direct and indirect sourcing channels.
• Capitalize on business opportunities, builder tie ups, and plan and monitor joint promotional activities with developers.
• Facilitate the development of new locations as per targets so as to penetrate new markets and thereby increase business
• Ensure smooth functioning of the lending process at the various stages such as inquiry, application, verification, pre-sanction processing of loan, sanction, post-sanction documentation, disbursement of loan, collection, new and existing customer service.
• Manage post-sales customer/channel partner escalation.
• Co-ordinate and supervise all key departments internally and strategies the road map for lending products.
• Managing branch operating costs including cost of acquisition, expenses and operations.
• Closely monitors the quality of book ensuring minimum delinquency at the branch level.
• To support the appropriate closure of stress accounts and move them out of the portfolio by collaborating with collections team.

Team Management

• Optimize and closely monitor team productivity by effectively managing the team of sales managers so as to assure achievement of business targets and profitability of the area
• Collaborate effectively with departments including Channel partners.
• Lead and supervise the SM RM team by support through appropriate hiring, training, reward and recognition.
• Responsible for the overall administrative functioning of the branch.
• Ensure active distribution span of control is maintained at the branch level as per norms.

Industry Governance

• Constantly keep abreast of market trends and competitor intelligence so as to build and develop effective sales and marketing strategies
• Ability to establish internal controls for legal compliance and conduct periodic audits to detect non-compliance frauds and devise actions for correction and prevention.
• Ensure a strong understanding of the markets / competition / process and products available in the markets and 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 policies and procedures of the company.

Disclaimer: This job posting has been aggregated from external source. Role details, content, and availability are subject to change. Applicants are advised to confirm the latest information directly on the company website before applying.