National Sales Manager - OD/CC

This role is for one of the Weekday's clients

Salary range: Rs 2700000 - Rs 4000000 (ie INR 27-40 LPA)

Min Experience: 8 years

Location: Mumbai

JobType: full-time

Key Responsibilities:

1. Sales Strategy & Planning

• Design and implement a national sales strategy for Overdraft (OD) and Cash Credit (CC) products.
• Identify key customer segments such as MSMEs and self-employed professionals and create targeted acquisition plans.
• Optimize product positioning, pricing, and bundling to grow market presence.

2. Business Development

• Lead new customer acquisition through internal teams (branches, Relationship Managers) and external partners (DSAs, CAs, and Connectors).
• Track sales performance against budgets, analyze trends, and implement necessary course corrections.
• Collaborate with product, credit, and risk teams to develop customer-centric offerings.

3. Team Leadership & Channel Management

• Manage and lead a team of Relationship Managers across India.
• Set clear performance targets and conduct periodic reviews.
• Train, motivate, and support the sales team to drive results and ensure excellent customer engagement.

4. Portfolio & Risk Management

• Maintain a healthy loan portfolio by ensuring asset quality and minimizing delinquencies.
• Monitor overdue accounts and work closely with credit and collections to manage risk and resolve stressed assets.

5. Process & Compliance

• Ensure strict compliance with internal policies, KYC norms, credit approval standards, and regulatory requirements.
• Regularly review sales processes for optimization and adherence to compliance frameworks.

6. Market Intelligence

• Stay updated on competitor products, pricing strategies, and market trends.
• Provide actionable insights to enhance product offerings and refine processes.

Skills & Competencies Required:

• Proven leadership in managing national-level sales teams.
• Strong understanding of overdraft, working capital, and cash credit products.
• Experience working with MSME clients and regional leadership.
• Strategic mindset with hands-on execution skills.
• Excellent communication, analytical, and team management abilities.