Sales Officer - Retail Assets
Commercial Bank International
Total years of experience :17 years, 3 Months
• Sourcing Personal Loan business from Pre-approved list of companies.
• Identifying potential corporate for retail products tie-up.
• Preparing proposal and meeting prospect regularly for business.
• Providing value added customer services by attending customer queries and issues.
• Offering various other products to existing customers such as Credit Card & Overdraft.
• Coordinating with internal / external departments and ensuring for smooth business operations
Managing the sales and marketing operations for promoting SME loans to the corporate clients and attaining profitability and business targets.
Playing a vital role in the Team thus also been appointed as the Acting Team leader in the absence of the team leader thus taking the responsibility of managing a team of 12 sales officers.
Giving presentations /product demonstrations to key influencers and generating business.
Being in competitive Direct Sales environment wherein sourcing fresh business to the bank thus adding to the overall business opportunity.
Sourcing Potential customers thus also playing a role of Credit Evaluator identifying profitable business to the bank.
Coordinating with internal / external departments and ensuring for smooth business operations
Ensuring installment payment for SME Loans on time.
Providing value added customer services by attending customer queries and issues.
Responsible for increasing the portfolio of the customers as well as increasing the total liability.
Offering various other products to existing customers such as Overdraft, Insurance, LC, Business loan, Credit card, and Auto loan.
Working in community banking to coordinate with branch RO’s and RM’s for solving customer issues as well as proper customer services.
Training new and existing staffs.
And many more work on database updating and maintaining MIS to have strict Follow up and Disbursal report for Self Evaluation and Tracking.
• Managing and supporting the effective deployment of team of sales professionals with respect to that geographical area, exploring new markets and in allocating resources, to most profitable opportunities.
• Identifying the need of sales training, analyzing changing market trends, channel deployment etc.
• Ensure implementation of promotional plans & contests. Suggest new and innovating promotion plan for the area of work.
• Ensuring highest levels of employee relationship, motivation & engagement to drive results & high levels of employee satisfaction.
• Effectively engage Operations & Risk teams to understand and contribute to overall processes & profitability across locations.
• Manage & own the overall Cost of Acquisition & Portfolio delinquency
• Responsible to Acquire Corporate Client for B2C Marketplace.
• Ensure proper Vendor Management for smoother service process.
• Responsible to ensure Business functions are Professional & effective.
• Responsible for Business Expansion & Market Activities.
• Responsible for Resource Management, Distribution of goods and the services to client & Queue system Analysis.
1. Acquiring & developing a team of Independent Consultant to enhance new business base.
2. Responsible to recruit Business Mentor, Channel Partner & Brokers.
3. Responsible for penetrating new corporate to increase premium collection base.
4. Insuring one-to-one meeting for better turn-over with strategic logistics.
1. Identifying & Recruiting of DSA Channels to achieve the targeted Objectives.
2. Initial Credit Assessment by Verifying & Assessing financials.
3. Planning & implementing Direct-marketing Activities.
4. Ensuring Portfolio Quality & Portfolio Mix through given set of DSA & DST.
5. Handling entire Branch Lending Portfolio through contributing in each Product.
6. Ensuring required sourcing to achieve targets.
7. Motivating & developing channel Partners by assuring best of services.
