Zonal Sales Mgr-TW

Job Title

Zonal Sales Manager - Two Wheeler Loans

Business Unit

Retail Assets - Two Wheeler

Reporting To

National Sales Manager - Two Wheeler Loan

Job Function and Role Type

Sales, Supervisory, Extensive Travel Required

Version No

2.0

Job Purpose

Achieve business volumes in wholesale and retail for the respective zone. Manage multiple verticals, ensure profitability, and drive overall strategy while maintaining customer retention and service excellence.

Key Responsibilities

Business Numbers

Achieve targeted business volume at given WIRR and CoA.

Meet individual targets across all verticals.

Distribution

Ensure Distribution responsibilities are completed.

BDP

Ensure BDP responsibilities are completed.

PDDs

Ensure PDDs responsibilities are completed.

TAT/FTNR

Ensure files are disbursed within TAT and FTNR limits.

Third Party Income

Achieve monthly targets for insurance revenue, FD, CASA, and CC sourcing.

Relationship

Ensure Relationship responsibilities are completed.

Inventory

Ensure Inventory responsibilities are completed.

Collections

Ensure Collections responsibilities are completed.

Productivity

Maintain proper distribution mix across channels.

Achieve business growth and cost advantage in new geographies.

Maintain agreed market share percentage.

Operate as a profit center and contribute to PBT.

Ensure PDDs outstanding post 90 days are within benchmarks.

Build and maintain relationships with DSA, DDSA, branch banking teams, and regional OEM offices.

Ensure inventory coverage at major dealerships.

Achieve 20% retail conversions from dealerships using inventory limits.

Conduct monthly reviews with collections to control cheque bouncing and early delinquency.

Manage overall portfolio health.

Maintain benchmark productivity for the zone.

Human Resource

Motivate and train the team for higher challenges.

Ensure minimum attrition.

Education:

Postgraduate in Business preferred.

Certifications:

None specified.

Key Competencies

Sales and influencing skills, banking product and process knowledge, planning and organizing skills, communication, knowledge of competition and financial industry trends.

Major Stakeholders

Customers, branch banking team, credit/operations/RIC/collections, product team, insurance CAM, audit team, cross-vertical departments.