Unit Head, Retail Sales (Up to VP)

• At least 8 years
• The applicants should have experience in the following business area(s): Banks

• Bachelor/Honors

Graduation degree from any reputed university preferably in business administration.

• At least 8 years
• The applicants should have experience in the following business area(s): Banks

Experience:

8+ years of experience in retail banking sales with strong team management & execution capabilities.

Functional / Technical Skills:

• Proficient in Knowledge of Banking Fundamentals, Products & Processes.

• Proficient in Compliance & Fraud Prevention.

• Proficient in Relationship Management & Business Communication.

• Proficient in Market Intelligence & Know-how

• Digital Readiness – Proficient in working on MS Office & Android / Apple Platforms

  Behavioral Skills:

• Proficient in Customer Centricity.

• Proficient in Ownership & Results Delivery.

• Highest order of Integrity.

• Proficient in Collaboration.

• Proficient in Developing Others.

Managerial Responsibility:

• Managing performance of team members; counselling & coaching team members from time to time to improve their performance.

• Business forecasting & performance linked manpower allocation to effectively balance demand & supply

• Hiring Relationship Officers, Senior Relationship officers, Business Development Managers in line with business plan

• Team engagement & retention.

Functional Responsibility:

• Achieving individual & team sales targets-

i) Achieve the agreed individual & team sales target (asset, liabilities & cards) ensuring compliance with the Bank’s policies and procedures to support the achievement of the overall targets.

ii) Ensure retention of business targets. Contact key clients to gather financial data and documentation. Assess Client’s financial status, evaluate creditworthiness and risks & sell product accordingly

Portfolio Management

i) Monitor team’s portfolio health by maintaining PAR & NPL rates as per defined norms.

ii)Engage and conduct quarterly reviews with various stakeholders to validate and assess the portfolio health for meeting business needs.

 Customer Service & Grievance Management

i) Deliver consistently high levels of customer service and deal with customer queries effectively, initiating transactions where possible and escalating complex, to maintain a high degree of customer satisfaction in line with Bank’s service quality standards.

ii) Ensure flawless execution of client relationship transactions, maintaining appropriate records and responding to customer requests and queries in a timely and satisfactory manner.

iii) Monitoring complaints & feed-backs from different customers or the branches. Ensure that all customer complaints received are effectively addressed, thoroughly followed up and promptly resolved to ensure a high level of customer service.

iv) Ensure that specific staff that are consistently receiving complaints are notified and necessary assistance is provided to enhance customer response and customer service levels.

Compliance & Good Governance

i) Accurate & error free record keeping of transactions and ensuring time to time reporting to the Management, Board & Regulators

ii) Identify the associated risks, formulate risk mitigation process, deploy effective internal control mechanisms, and ensure regulatory compliance & fraud prevention

iii) Support and collaborate with Sales Governance & Performance Management