Area Sales Manager

Roles & Responsibility

AM will be responsible for the overall branch performance and profitability of branches

assigned.

A. BUSINESS DEVELOPMENT - RESPONSIBLITY FOR BUSINESS PERFORMANCE

AND PROFITABILITY AGAINST STATED TARGETS

Driving business: Drive branches to achieve Business targets (existing and new products),

Profitability and AUM targets m-o-m & FY; ensuring conversion of all Non BEP branches to

BEP branches.

Monitor and Control: (i) Daily monitoring of critical parameters of Branch Score Card; (ii)

Qualitative branch visits to drive, implement and facilitate business development strategies

(minimum 2 visits/branch in a month)

Market study: Identify and assess market needs, market potential and competitor activities

and develop product composition strategy to satisfy the needs of the common man;

Identification of potential new branch locations

Lead generation: Plan and drive marketing campaigns or activities for branches to generate

leads; ensure updation in Lead management module (both activity and call center lead) and

effective follow up and conversion

Accountability: Responsible for business disbursal/transaction numbers/values and AUM

targets; Responsibility for cross selling targets based on product composition decided by

branches

B. OPERATIONS - DISCIPLINE, EFFICIENCY AND EFFECTIVENESS-

(Monitoring and ensuring Operational efficiency and Asset quality in branches by educating

employees to adhere to systems & procedures)

Process adherence and Regulatory compliance: Guide and ensure proper conduct of

matters relating to credit assessment, KYC adherence/data enrichment, auction, expense

management, cash transit, voucher entries, updation in BRS, Key management, bank

account opening, daily data backup, maintenance of records / documents / registers, closure

of gold inspection/audit remarks and customer grievance, within the agreed TAT.

Collection Management: Ensure timely interest collection by branches and recovery of over

dues as per targets, guiding branches to minimize NPA status of accounts as well as auction

Asset Quality and Fraud Management: Guide branches to ensure quality of the assets /

collaterals / ornaments pledged; take remedial actions for loss due to spurious / low purity /

theft ornaments & initiate efforts for recovery, follow up of court cases and prompt action

against culprits

C. HUMAN RESOURCE MORALE, MOTIVATION OF EMPLOYEES

Recruitment: Conduct of entire recruitment activities within prescribed TAT; BM Talent

Acquisition and retention; 100% adherence to new employee documentation along with

collection of SD (Security deposit) wherever applicable, timely initiation of BVC (Background

verification) and PVC (Police verification) and ensuring opening of bank accounts of all new

employees on or before 27th of joining month and sharing details with Corporate HR and

RHR as required.

Training and development: Identify training requirements and accordingly facilitate training in

product, process and procedures for branch staff; Mentor branch staff to attract new

customers, retain existing, win back lost customers, and cross sell to achieve product

composition targets

Maintaining talent pool: Execution of proactive measures to minimize staff attrition devised

by RM-HR in consultation with Corporate HR; proper assessment of manpower and

deployment of surplus staff; support PMS activities during appraisal cycle.

Staff life cycle activities: Completion of HR operational activities like on-boarding, training,

attendance/regularization, leave, confirmation, transfer, deputation, internal job posting,

payroll, exit, timely completion of HRMS activities, availing statutory benefits, F&F etc.

Statutory requirements: To monitor all statutory norms are adhered to, ensure neat display of

required notices and maintenance of statutory registers at branches; timely closure of

matters relating to Show cause or legal notices, Shop & Establishment Registration and

renewals, Contract renewals and extensions etc.

Employee connect: Coordinate/conduct Employee engagement activities; monitor employee

communication w.r.t. to new initiatives, HR policies etc.; attend to and resolve employee

grievance at the initial stage itself.

D. ADMINISTRATION UPKEEP AND MAINTENANCE OF INFRASTRUCTURE

Merchandising of branch: Ensure proper visibility of branches within locality through

branding as per Corporate guidelines.

Asset maintenance and record keeping: Upkeep and maintenance of assigned branches,

guest house if any - Ensure availability, timely maintenance and renewal of furniture, critical

assets (webcam, scanner, printer, CCTV, Data connectivity items etc.) and stationary;

ensure branches maintain records of the same.

Attend to and close all Infra-related issues of branches including rentals and matters relating

to contract renewals, Shops & establishment Act, weighing machines & other statutory

requirements, as per defined TAT.

Expense control: Timely approval of expenses, devise and implement effective cost-control

measures.

Vendor management: Identify new vendors and manage existing ones to cater to all

administrative and infrastructure needs of branches.

Branch administration: Safety and security, Housekeeping, Hygiene and office management.

Implementation of Admin processes and procedures in the branches. Timely escalation of

Infra & Admin issues to line RM/ Zonal RM. Ensuring MRs are raised by branches properly

and same is approved timely. To follow up with the BM on raising all requirements as well as

reporting through toll free number for all IT and Non-IT breakdowns. Ensuring that branches

take GRN in time.

Preparation/maintenance of updated tracker of all IT and non-IT assets (keeping track of

changes) and sharing the same when required.

 (AMs are expected to provide constructive inputs in devising or modifying products,

processes and policies to hierarchy.)