JOB PURPOSE:

To primarily be responsible for ensuring that the budget volumes for personal Finance are achieved with the assistance of the direct sales team as well as to identify and capitalize on market opportunity for personal Finance.

KEY ACCOUNTABILITIES:

• To achieve set targets and budget for retail products as new account relationships through retail/corporate/cross sale channel.
• To coach team and periodically refresh their sales and policy skills.
• To meet set targets and budget.
• Provide regular market/competition feedback to the management.
• Acquiring data for new acquisition for the sales team.
• To foster a ""Team Spirit"" amongst sales representative who are capable of exploiting all available business opportunities.
• To monitor performance of individual representative and provide feedback/recommendations to management.
• To maximize personal finance sales, credit card and auto finance opportunities through retail/corporate/cross sell channels.
• To minimize potential loss of income to the division by ensuring that introductory business sources confirm to the standards put in place from time to time.
• To sight and verify original documents/ID and duly attest copies.
• To ensure that the sales representatives confirm to local laws and comply with the rules and regulations of the bank.     
• To maintain and increase lending portfolio business through sales.
• To manage achieve the target and maintain the sales team business generation.
• To ensure the coordination with RCD/RCAD/Cards Ops/for Retail Banking Products- Personal Finance, Auto Finance, Credit Cards by cross selling.            
• Deepening customer relationships and achievement of direct banking service standards.
  

Consumer Protection:

Ensure compliance with consumer protection standards including treating customers fairly, providing accurate information about products or services, responding promptly and courteously to inquiries, complaints, and feedbacks, protecting customer data, identifying and reporting any suspicious or fraudulent activities, continuously improving customer service and keeping abreast of regulatory expectations and SIB Conduct Risk Framework and associated procedures.

Competency: Customer Service & Consumer Protection:

The employee should demonstrate a thorough understanding of Consumer Protection Regulations and adhere to the bank's standards for fair treatment of customers, ethical conduct, prompt resolution of customer complaints, provide accurate and comprehensive information to customers, and compliance with applicable laws and regulations. The employee should continuously strive to improve their knowledge of Consumer Protection Regulations and seek opportunities to provide input on bank policies and practices.

QUALIFICATIONS, EXPERIENCE, & SKILLS

• The jobholder needs to be extremely creative and should posses strong skills in highly competitive environment.
• Exposure to Credit, Marketing, Operations and the ability to interact with each of these functions with a view to bringing them together and delivering the product.
• Time management skills to ensure all appointments with customers are effectively kept.
• The jobholder needs to be a "Team Leader" to effectively channelise the skills and energies of the sales team.
• Minimum 4 years experience and above in Banking with exposure to sales.
• Minimum Qualifications - Bachelor in Business Administration/Marketing/Banking/Commerce.