AVP- Credit Card Sales

To sell Core product and to encourage cross selling of other direct sales products in assigned business territory To build and maintain effective business relationship with customers To manage the team assigned in a manner that would increase Sales in accordance with Credit policy To manage daily set of activities, outputs and staff performances through digital platforms Key Responsibilities Core Responsibilities: To manage the team assigned, wherein the monthly sales are met or exceeded. To plan, organise, lead and control team and their activities both from office and remotely by using Microsoft Tasks/CRM/digital transformation mediums. To be able to conceptualise and create new avenues of business in collaboration with Employee banking. To source quality business by ensuring Fraud and compliance guidelines are met. To ensure effective customer relationship management of all business sourcing via constructively using NPS survey remarks/scores. Ensure effective sales progress by developing and maintaining reporting/tracking of systems, anti-attrition processes and techniques, etc. Managing a team including addressing their training needs to the appropriate resource, along with ensuring a smooth process for all. To build and maintain effective business relationship with all internal departments and branches To build and grow the sales organisation as an extension of the branch manager and the branch network To interface with the Employee Banking relationship managers to effectively deploy teams to capitalise on employee banking and branch. To assist in conducting Promotional Activities, meetings and Road Shows in the assigned showrooms to Achieve or Exceed Budgeted Sales Volumes. To ensure that the documentation provided by the team is complete and error-free for all approved applications sourced from such assigned team. To ensure that team is doing regular follow up for document discrepancies, which have been approved as Deferrals. To provide Monthly MIS on performance to Manager of the assigned Region. To provide Weekly MIS on all related Sales/Services Updates to Manager DSD team as to ensure regular tracking of Errors/Deferrals/etc. To provide regular customer and market feedback to senior management, to improve Product Offering and Business Acquisition. To capitalize on-cross selling opportunities. To recommend the banks products proposed from the team, and which are considered good credit risk and as per Bank Policy. Requires good convincing and Negotiating Skills according to the complexity of business. Continuous suggestions on changes and ways of improving FAB Products. Manage Business Complexity in view of competition. Identify any cross selling opportunity for Other Business Divisions of the Bank. Motivate the Team Assigned by awarding the High Performers and guiding the others as to improve their performance, and also reporting the same to the manager DSD team. To manage the area to ensure that over all responsibilities are achieved / exceed To increase bank’s visibility in the banking / financial industry Developing new strategies for the business of respective area, and build a strong business support unit. Increase banks over profitability Ensure that team members are always up to date on product features and promotions. Adhere to the Standard Operating Procedures, Policies, Code of Conduct and Service Standards of the bank, ensure that team members do the same and initiate appropriate disciplinary action for any violations noted. AUTHORITY Authority and Decision Making will be given in delegation by Manager as to ensure smooth process for the Team at all times KEY PERFORMANCE INDICATORS, SKILLS AND COMPETENCIES Leadership and Team Management Skills Service Quality & Customer / Dealer Relations Comprehensive Sales Skills High Motivation and Pro-activity Ability to develop strong professional relationships between Team and Customers. Should have good knowledge of Bank retail products. Should have very good computer and organizational skills. Competitive and Multicultural awareness on related resources. Should possess Market knowledge and competition policy/process awareness Customer sales targets Growth in total portfolio revenue Client satisfaction index Adherence to policies, processes, and procedures of FAB

QUALIFICATIONS & EXPERIENCE University Degree or Equivalent Qualification   Desirable to have a sales diploma or certification Excellent PC skills Between 3-5 years’ experience in selling banking products or in a financial Industry Experience in similar job area is an added advantage

Manage the team assigned to meet or exceed monthly sales targets. Plan, organize, lead and control activities from office and remotely using Microsoft Tasks, CRM and digital platforms. Develop new avenues of business in collaboration with Employee Banking. Source quality business while ensuring fraud and compliance guidelines are met. Maintain effective customer relationship management of all business sourcing using NPS feedback. Develop and maintain reporting/tracking systems, anti-attrition processes, and related techniques. Address training needs of team members and ensure smooth processes. Build and maintain relationships with internal departments and branches, and integrate with the branch network. Coordinate with Employee Banking relationship managers to deploy teams effectively and capitalize on employee banking and branch opportunities. Conduct promotional activities, meetings and roadshows to achieve or exceed budgeted sales volumes. Ensure documentation from the team is complete and error-free for approved applications; manage follow-ups for deferrals. Provide Monthly MIS to the Regional Manager and Weekly MIS to the DSD team. Gather customer and market feedback to improve product offering and acquisition. Identify cross-selling opportunities across other bank divisions. Motivate the team by recognizing high performers and guiding others; report performance to the DSD manager. Ensure responsibilities are achieved or exceeded and increase the bank’s visibility in the banking/financial industry. Develop new strategies for the area and build a strong business support unit. Ensure team members stay up to date on product features and promotions. Adhere to SOPs, policies, code of conduct and service standards; initiate disciplinary action as needed.