About Retail Lending:The Retail Lending department focuses on the lending business of the bank by offering various loan products like Home Loans, Car Loans, and Personal Loans among others. They also offer working capital loans and Business loans for Small Businesses and is also responsible for the Rural lending business of the bank.About the Role:The Regional Sales Manager (RSM) sets the vision for the Region and develops and adheres to a business plan to attain this vision. The RSM is responsible for maintaining the profit and loss of the location and for the business expansion and growth of the lending book of the area so as to achieve the topline and profitability goals. The RSM coordinates with the Zonal managers to ensure that they are able to respond proactively to the business issues and challenges by providing them with the required guidance and support.Key Responsibilities Manage the Area Sales Managers/ Sales Managers and achieve the sales targets across products and channelsConduct area sales team meetings and set targets to ensure tight control on sales processResponsible for maintaining the product mix in the business and benchmark yield across locationResponsible for Collections of delinquent accounts and manage quality portfolioConduct regular visits to the locations to develop new relationships in the businessPlan/design sales programs, contests and presentationsManage relations with branch circle and Connector network in the locationCollaborate with appropriate business alliance partners and other distributors to expand the reach of the bank’s products and services.Actively pursue and close new business opportunities, working closely with Sales Management and Inside Sales Representative to ensure geography based objectives are being met.Evaluate market trends and gather competitive information, identify trends that effect current and future growth of regional sales and profitability.Effectively engage Operations and Risk teams to understand and contribute to overall processes and profitability across locations.Maintain good working environment and high motivation level at across location Qualifications:Optimal qualification for success on the job is: Graduation/ Post-Graduation from a recognized institute Role Proficiencies:For successful execution of the job, the candidate should possess the following: Knowledge of industry, technology, marketing, and product trendsKnowledge of regulatory guidelines and normsGood communication (both verbal and written) skill in both English and the local languageAbility to manage complex client situationsAbility to manage risk and uncertainty for self and team within a dynamic priority-setting environmentAbility to handle pressure