Sales Manager

Role & responsibilities

Position

Sales Manager Personal Loan (PL) Cross-Sell

Department

Sales

Role Overview

We are looking for an experienced and result-oriented Sales Manager – PL Cross-Sell to drive Personal Loan cross-sell business through a team of sales executives. The role will be responsible for achieving business targets, managing team performance, developing sales strategies, and ensuring quality customer acquisition.

Key Responsibilities

• Lead, manage, and motivate a team of sales executives to achieve monthly PL cross-sell targets.
• Drive Personal Loan sales through the existing customer base and cross-sell opportunities.
• Plan and execute daily, weekly, and monthly sales activities to achieve business objectives.
• Monitor individual team member performance against assigned targets.
• Identify potential customers and ensure effective lead generation, follow-up, and conversion.
• Conduct regular team huddles, performance reviews, and field visits.
• Train and coach team members on product features, sales techniques, customer handling, and objection management.
• Ensure proper utilization and follow-up of leads generated through various channels.
• Maintain strong relationships with existing customers and identify additional lending opportunities.
• Coordinate with credit, operations, and other internal teams for smooth processing and disbursement.
• Ensure adherence to company policies, KYC requirements, process guidelines, and compliance standards.
• Track sales funnel, login, approval, disbursement, rejection, and productivity metrics.
• Take corrective actions for underperforming team members and improve overall team productivity.
• Prepare and share regular MIS and business performance reports with management.
• Ensure high-quality sourcing with minimum customer complaints and sustainable portfolio growth.

Key Performance Indicators (KPIs)

• Monthly PL cross-sell achievement
• Team productivity and individual achievement
• Lead-to-login and login-to-disbursement conversion
• Number and value of PL disbursements
• Customer acquisition and cross-sell ratio
• Team retention and productivity
• Quality of sourcing and process adherence
• Customer service and complaint levels

Candidate Profile

• Education: Graduate in any discipline; MBA/PGDM in Sales/Marketing will be an added advantage.
• Experience: 2–5 years of experience in Personal Loans, Retail Lending, Banking, NBFC, or financial services sales.
• Prior experience in team handling and sales target management is preferred.
• Strong understanding of PL sales and cross-selling techniques.
• Good communication, negotiation, and relationship-management skills.
• Strong analytical and problem-solving abilities.
• Target-oriented, self-motivated, and capable of working in a fast-paced sales environment.
• Comfortable with field sales and customer interactions.

Core Competencies

• Team Leadership
• Sales & Business Development
• Personal Loan Cross-Selling
• Customer Relationship Management
• Lead Conversion
• Performance Management
• Sales Planning & Execution
• Coaching & Team Motivation
• MIS & Data Analysis
• Compliance & Process Adherence