Summary

• To manage pragmatic loan portfolio to ensure the company achieved desired portfolio growth, product revenue and portfolio quality.
• Ensures consistent, profitable growth in sales revenues for pragmatic loans through positive planning, deployment, and management of sales personnel.
• Identifies objectives, strategies and action plans to improve short- and long-term sales and earnings of the portfolio.

Responsibilities

· Collaborates with Head-SCM in establishing and recommending the most realistic sales goals for the pragmatic products.

· Loan officers are assigned geographic sales area or product line to maximize sales revenues and meet the business objectives.

· Manages sales targets for the pragmatic products

· Manages personnel and develops sales and sales support staff for the product.

· Reviews progress of pragmatic portfolio.

· Accurately forecasts annual, quarterly and monthly revenue streams for the portfolio.

· Develops specific plans to ensure revenue growth in all pragmatic products.

· Coordinates proper company resources to ensure efficient and stable sales results for pragmatic lending.

· Collaborates with Head-SCM to develop sales strategies to improve market share in all product lines of pragmatic loans.

· Ensure proper management of the pragmatic loan portfolio to avoid PAR and NPL above agreed thresholds.

· Educates sales team by establishing programs/seminars in the areas of pragmatic lending and formulates business club to educate clients of our products.

· Collaborates with Marketing Team to establish and control budgets for sales promotion for pragmatic lending.

· Reviews and manage performance of pragmatic lending portfolio such as MSE loans, affordable houses loan, car clearance loans, Group lending etc.

Education and Qualifications

• University Graduate from a recognized and well established University.

Requirements

• A minimum of 4 to 6 years in management experienced in sales and business development
• Good knowledge of MSE, Housing, Group Lending products
• Ability to plan - 3 -5 years planning in terms of vision, mission and mandate
• Ability to identify risks and proactively work on mitigating the risks
• Work closely with internal and external stakeholders

Characteristics

• Problem-solving and analytical skills to interpret sales performance and market trend information.
• Ability to plan work flow to maximize efficiency
• Ability to work as a team player
• Job holder should seek to develop strong relationships with those performing a similar role at peer group businesses/financial institution and to join any appropriate industry forums that will enhance job performance and understanding.

Reporting To

Head of Sales, Channels and Marketing