Sales Manager - Retail Sales

Tata Capital; Nalgonda District; On-site; INR 900,000 - 1,500,000; Full time

Job summary

Tata Capital in India seeks a Branch Manager to drive branch performance through lending processes, sales targets, and strong client relationships. The role centers on executing strategy, managing costs, and ensuring customer satisfaction across the lending lifecycle.

You will lead a team of sales managers, coordinate with channel partners, and ensure compliance with audits and NHB regulations while seeking growth opportunities and optimizing operations.

Responsibilities

• Execute defined strategy to achieve the branch's performance.
• Create a demand funnel and meet sales forecasts by maintaining relationships with clients.
• Manage growth and profitability by keeping competitive knowledge to shape sales strategies.
• Expand and retain the customer base for affordable home loans by liaising with clients and channel partners for repeat business or referrals.
• Build and develop a defined source mix comprising direct and indirect sourcing channels.
• Capitalize on business opportunities, builder tie-ups, and plan joint promotional activities with developers.
• Facilitate development of new locations to penetrate new markets and grow business.
• Ensure smooth lending process across inquiry, application, verification, pre-sanction processing, sanction, post-sanction documentation, disbursement, collection, and customer service.
• Manage post-sales customer/channel partner escalation.
• Coordinate and supervise all key departments and strategize road maps for lending products.
• Manage branch operating costs including acquisition, expenses and operations.
• Monitor book quality to maintain minimum delinquency at branch level.
• Support closure of stress accounts in collaboration with collections.

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.

Graduate : Yes Desired Experience: Minimum years in the field.