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Sales Manager - Housing Finance

5.00 to 10.00 Years   Chennai   06 Apr, 2024
ADITYA BIRLA SUN LIFE INSURANCE COMPANY LIMITED
Job LocationChennai
EducationNot Mentioned
SalaryNot Disclosed
IndustryFinancial Services
Functional AreaSales / BD
EmploymentTypeFull-time

Job Description

    Job DescriptionKey Aspects:
    • Providing housing finance (to buyers), Loan against Property, Commercial Property Purchase, Lease Rental Discounting and Construction Finance (to builders) solutions, ABHFL caters to a diverse range of customer segments through its various service offerings. Additionally, being predominantly retail driven, the business is characterized by high volume of loan transactions and customer relationships. As a result, ABHFL business performance is strongly impacted by people, process and organizational efficiencies, alongside core business drivers such as product/ solution quality, channel and customer relationship management and risk management.
    • While unit of sizing up the business is its loan book size, profitability and minimized delinquency are also key business objectives.
    • Higher cost of funding impacts profitability as well as competitiveness of loan rates that can be offered to clients
    • For retail customers, identifying and acting on relevant needs for target demographics/ customer segments/ etc., in an efficient manner ensuring process, statutory and regulatory compliance at all times, are key for building business performance and sustainability.
    • For institutional/ builder customers, understanding and addressing complex business requirements via proactive relationship management and customized solution fitment, while ensuring compliance at all times, are important to gain competitive advantage in this segment.
    • The Sales Manager (Direct) ABHFL is responsible for achieving sales targets through direct channels, as agreed with the ASM-ABHFL, in terms of targeted book size, growth & customer service objectives.
    Key Challenges
    • To assign sales targets to team members considering local factors impacting business, such as competitor presence, existing relationships, new prospect opportunities, etc., and ensure achievement of set targets
    • To upgrade financial & operational know how of self and team members on industry dynamics, effective negotiation and relationship building, and efficient loan processing for maintaining lasting relationships with customers while ensuring portfolio health and profitability
    • To drive loan conversion/ sanction/ utilization rates and ensure an appropriate sourcing funnel to meet targets
    • To ensure credit quality, effective portfolio selection/ pre-screening, and work closely with Risk team members to minimize potential NPAs while driving sales
    • To ensure compliant sales operations at all times, despite sales pressures and market cycles
    Enabling Skill Sets & Qualifications
    • Critical skill sets required to meet these challenges include commercial acumen, team management and communication, product-market awareness, and execution skills.
    • Education & experience required to fulfil this profile are a graduate with minimum 4 - 7 yrs of total sales experience in the Banking/ NBFC space, of which at least recent 2 - 3 yrs experience should be in HFC sales.

Keyskills :
client acquisitionhome loanssaleslapsales managementclienthousing financehousing loanloan against property

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