The Role
Lead regional sales for the CV & CE portfolio: develop and execute business plans, scale volume with profitability, build and manage channel and sales teams, oversee P&L and budgets, coordinate with credit/operations/risk/IT/compliance, ensure portfolio quality and collections, recruit and train staff, and drive cross-sell and upsell.
Summary Generated by Built In
i.Drive business plan of organisation.
ii. Manage sales team to build quality portfolio
iii. Manage relation with stakeholders like Credit, Operations etc to ensure smooth loan processing and onboarding journey.
iv. Manage various distribution channels
v. Stakeholder management
vi. Interpersonal skills
i. Develop & drive business plan and strategy for growth in CVCE portfolio
ii. Create working plan for volume scale up (topline) with profitability for meeting defined target (NII, PF)
iii. Develop and enhance channel sales and support functions (DSA, connector, Direct business etc)
iv. Preparing a detailed input for P&L, budgets, employee of Regions.
Demostrate sound knowledge of system, process and business and financial modelling.
v. Manage compliance related aspects like covenant monitoring, audit compliances etc
vi. Engage with credit and operations, risk management, IT, Compliance etc to improve and simplify various policies and processes
vii. Participation in recruitment of Sales team including ASM/regional leadership
viii. Establish team peeformance matrix, expectation and regularly review peformance.
ix. Identify and provide skill based training to enhance capabilities of team
x. Manage portfolio quality (delinquency) , profit, enhance productivity.
xi. Manage cross sell and upsell of products
xii. Manage assigned collection effort through sales team.
QualificationsExperience Range : 10 to 15 Years
Qualifications :
Graduate (Any Specialisation)
Post Graduate (Any Specialisation)
Skills Required
- 10 to 15 years experience in sales/region management
- Graduate degree (any specialization)
- Postgraduate degree (any specialization)
- Experience managing CV & CE portfolio or similar commercial lending portfolios
- Proven ability to develop and drive business plans, P&L and budgets
- Experience building and managing channel sales (DSA, connectors, direct business)
- Stakeholder management with credit, operations, risk, IT, and compliance teams
- Team leadership: recruitment, performance management, training and capability building
- Portfolio quality management including delinquency and collections oversight
- Strong interpersonal and communication skills
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The Company
What We Do
CSB is a full service bank established in 1920 and headquartered in Thrissur, Kerala. CSB has over 703 branches covering not just the district headquarters and large towns but also semi-urban and rural centers. Thanks to its unique origin and history, CSB is considered a household banking brand in Kerala. CSB offers Retail, Wholesale and SME Banking services through its footprint of over 703 branches across the country serving over 2 million customers.
