CC-Sales Manager-Branch and Business

Job Title:

Sales Manager-Branch and Business

Job Details:

Business Unit: Credit Cards

Team: Sales Payment Business Cards - Retail

Reports to: Area Head-Branch Sales-Pymt Business

Location: Pan India

Role Type: Supervisory

Direct Reportees: 8

Travel: Yes, extensive

Job Band: E1 - E4

JD Created: 31-10-2025

JD Updated: 31-10-2025

Version No: 2.0

Job Purpose:

Achieve Fincon budget, desired activation rate

Drive digital credit card sourcing

Boost productivity, manage acquisition costs, ensure compliance

Build relationships with branch staff for leads

Coach, mentor team; enhance productivity, conduct training

Drive cross-sell: Smart Pay, GHI, Forex, Card for sure, One Assist, SI, DC upgrades, Smart-Hub App

Adhere to sales processes

Right card to right customer; increase usage, spends

Cross-sell to existing customers; higher activation, usage

Job Responsibilities:

Achieve card Fincon target for branches

Build relationships with branch resources

Train branch staff on card features

Train branch staff on STP card issuance

Share regular MIS with RBB on achievements

Share regular MIS with RBB on LG and LC status

Visit branches for discussions, reviews via COGENT

Communicate income generation from card issuance

Drive cross-sell parameters

Sell SMARTHUB APP to business/self-employed

Open CASA accounts for open market, references

Sell other bank assets: loans

Hire and mentor BDRs

Interview, shortlist BDR candidates

Ensure timely hiring based on budget

Coach BDR team on product, process

Motivate, mentor team for productivity

Conduct timely training, refresher sessions

Communicate PLP changes to BDR team

Adhere to sales process

Mandatory branch visits for achievements, discussions

Follow COGENT process; update visits, discussions

Update CRM/DAP leads; track TAT

Update trigger leads timely

Adhere to curing process for NON TASU

Conduct spot audits of BDRs for hygiene

Respond to QIG complaints, queries

Match right card to right customer

Cross-sell to existing carded clients for usage

Educational Qualifications:

Graduation

Post-Graduation/MBA

Key Skills:

Sales and influencing

Banking product and process knowledge

NRI product and regulatory knowledge

Planning and organizing

Communication

Competition and industry trends knowledge

Experience Required:

2-4 years in sales, relationship management

Preferred: Banking, Telecom, FMCG, Financial Services

Major Stakeholders:

Customers

Branch Banking Team

Asset verticals

Operations/CPA

Treasury

Product team of Payment teams

AFU

Other cross-sell functional stakeholders