Sales Manager
ESAF (Small Finance Bank)
Total years of experience :8 years, 7 Months
Run the process of Account Opening, Maintenance and Closure related formalities as per Bank Policy and within stipulated TAT.
Ensure adherence and improvement to process & documentation standards (e.g. forms/approvals) as per laid down guidelines.
Maintain strict vigilance (error free) on the quality of forms and documentations provided.
Ensure adherence and improvement to process & documentation standards (e.g. forms/approvals) as per laid down guidelines.
Compliant to all KYC and Operational Risk Parameters.
Ensure timely escalation of issues impacting the business and appropriate solutions to address the concerns.
Handle Customer Inquiries and Instructions whilst ensuring that the bank’s delivery standards are met in achieving total customer satisfaction.
Acquisition of Quality CASA (Current & Savings Accounts) - in nos.
Deepening of existing Current & Savings account portfolio; Account Retention.
Generation of referrals from internal database.
Address all transaction related queries i.e. Pre & Post transaction processing.
Relationship Management for a portfolio of customers by providing and maintaining customer support and service.
Timely submissions of MIS Reports.
Branch Operations and Audit Compliance.
Ensuring the visits to be conducted on the given address for employer and/or residence of the applicant as per defined guideline for Credit Evaluation within the stipulated TAT. Ensuring the full availability of details required.
Ensuring that fraudulent applications, if any, are detected and highlighted.
Analyzing the evaluation done for satisfactory/unsatisfactory reports based on the details obtained from the source and observations at site.
Identification for non-operational/non existing business.
Ensuring consistency in evaluation quality.
Maintaining a professional atmosphere within the department.
Provide exceptional contributions to customer service for all customers.
Review credit proposals to ensure high standards of quality by minimizing / eliminating errors and omissions.
Daily monitoring of overdrawn accounts Prepare MIS Reports highlighting approvals to take corrective action if required.
Ensuring quality service to internal / external customers though adherence to agreed SLA’s for processing cases. Adherence to Bank’s policy while recommending credit proposals, incorporating professional risk assessment and other relevant aspects to facilitate decision making by the approving authority.
Monthly reports for management for applications approved as deviation against laid down retail credit policy. Reports included portfolio tracking, delinquency trends, Salary Transfer Reports.
Prepare MIS reports for assistance in building/ maintaining and tracking departmental performance, by designing, implementing and monitoring report statistics for learning; and to highlight team productivity, Approval and decline rate and trend for deviation cases and adherence to SLA’s.
To analyze new proposals for company profile for individual applications which are not part of the bank’s Approved List of Employers.
Review opportunities for company applications provided by Business Development for empanelment to the bank’s Approved List of Employers.
Visit employers as and when required to ensure information provided on applications are authentic.
Implementing new processes for documentation, SOP scripts in order to execute appropriate SLA’s to adhere to the corporate identity of the Bank and subsequently distribute and train staff thereon.
Ensuring the visits to be conducted on the given address for employer and/or residence of the applicant as per defined guideline for Credit Evaluation within the stipulated TAT.
Ensuring the full availability of details required.
Ensuring that fraudulent applications are detected and highlighted.
Analyzing the evaluation done for satisfactory/unsatisfactory reports.
Identification for non-operational/non existing business.
Categorizing ‘Unsatisfactory’ cases by reporting to the FMU Department.
Ensuring consistency in evaluation quality.
Maintaining a professional atmosphere in the department.
Provide exceptional contributions to customer service for all customers.
Review and implement the company approval policy / criteria in line with the best practice in market and risk reward structure.
To analyze and assess requests for credit facilities for retail / corporate customers. Conduct risk analysis and assess the risk associated with the business with the credit proposal, with the bank’s requirement with respect to type of security, nature and project details. Complete all documents relating to the listing and prepare final presentation for Head of the Department.
Report monthly sales figures and update in case of any negative trend.
Monitor receipt of payments and post amounts paid to customer accounts. To locate overdue accounts, using automated systems and corresponds with them on outstanding balances and guided them to bring their accounts up to date.
Monthly review and analysis of delinquencies (DPD) with respect to Employer, Salary Range and Nationality in order to provide timely escalations and update the systems;
Timely action on EOSB notifications and their securitization;
Timely action on missed salary transfers; Update all trail of accounts within the collection system;
Escalate cases identified as Absconded, Skip or Terminated respectively;
Analyze and asses customer repayment problems and suggest appropriate action to regularize the situation; Offer Re-structures / Full Partial Settlement through EOSB in order to mitigate risk;
Handle activities of collections as directed by the management; Initiate strategies, change initiatives, role modeling and team work; Customer follow-up within laid down procedures;
Monitored arrangement for debt repayment or establish repayment schedules, based on customer financial situations and negotiate credit extensions when necessary.
Monitor that the portfolio/accounts are performing in line with the business utilizations and covenants as per set down norms.
Ensure all process carried out are as per bank’s compliance norms to meet satisfactory audit reviews.
Ensuring the visits to be conducted on the given address for employer and/or residence of the applicant as per defined guideline for Credit Evaluation within the stipulated TAT.
Ensuring the full availability of details required.
Ensuring that fraudulent applications are detected and highlighted.
Analyzing the evaluation done for satisfactory/unsatisfactory reports based on the details obtained. Identification for non operational/non existing business or mismatch in details provided in application.
Categorizing ‘Unsatisfactory’ cases by reporting to FMU Department.
Ensuring consistency in evaluation quality.
Maintaining a professional atmosphere in the department.
Provide exceptional contributions to customer service for all customers.
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