Sales Manager-Mortgages Bharat Business-Bharat Business Loans-Marketing Branches Ops

📌 Core Information

🔹 Job Title: Sales Manager - Mortgages, Bharat Business

🔹 Company: Kotak Mahindra Bank

🔹 Location: Gulbarga, Karnataka, India

🔹 Job Type: Full time

🔹 Category: Banking & Finance

🔹 Date Posted: April 8, 2025

🔹 Experience Level: 2-5 years

🔹 Remote Status: On-site

🚀 Job Overview

Key aspects of this role include:

• Achieving sales volume and revenue targets on a month-to-month basis
• Working closely with branch banking teams for joint business development activities
• Recruiting, training, and motivating the sales team for high performance
• Monitoring team productivity, providing necessary training, and support
• Ensuring excellent customer service and addressing any issues or concerns promptly

ASSUMPTION: This role requires a strong focus on sales targets, team management, and customer service. The successful candidate will have a proven track record in sales management and business development within the banking sector.

📋 Key Responsibilities

✅ Achieve sales volume and revenue targets on a month-to-month basis

✅ Work closely with branch banking teams and participate in joint business development activities to generate business

✅ Recruit, train, and motivate the sales team to ensure high performance and regular field visits

✅ Monitor team productivity, provide necessary training and support, and ensure accurate and complete documentation

✅ Focus on building CASA through existing customers and ensure cross-sell and fee-based income achievement through the team

✅ Build and maintain relationships with clients, DSAs, and channel partners

✅ Ensure excellent customer service and address any issues or concerns promptly

✅ Closely monitor portfolio quality and achieve delinquency targets through the team

ASSUMPTION: The role involves a mix of sales, team management, and customer service responsibilities. The ideal candidate will have experience in sales management, team training, and client relationship management within the banking sector.

🎯 Required Qualifications

Education: Bachelor's degree in Business Administration, Finance, or a related field

Experience: 2-5 years of experience in sales management, preferably in the banking or financial services sector

Required Skills:

• Proven track record in sales management and business development
• Strong team management and motivational skills
• Excellent customer service and communication skills
• Strong analytical and problem-solving skills
• Familiarity with legal and technical documentation processes

Preferred Skills:

• Experience in mortgage sales or related products
• Fluency in local languages (e.g., Kannada, Telugu)

ASSUMPTION: The ideal candidate will have a bachelor's degree in a relevant field and 2-5 years of experience in sales management within the banking sector. Familiarity with mortgage sales or related products and fluency in local languages would be an asset.

💰 Compensation & Benefits

Salary Range: INR 8-12 lakhs per annum (Based on experience and performance)

Benefits:

• Medical and dental insurance
• Retirement benefits
• Employee stock options
• Performance-based bonuses

Working Hours: Full-time (40 hours per week), with flexibility for field visits and business needs

ASSUMPTION: The salary range is estimated based on industry standards for sales managers in the banking sector in India. Benefits and working hours are subject to the company's policies and may vary.

📌 Applicant Insights

🔍 Company Context

Industry: Banking & Finance

Company Size: 10,001+ employees

Founded: 1985

Company Description:

• Kotak Mahindra Bank is one of India's leading banks, offering a wide range of financial services
• Established in 1985, the Group has a consolidated balance sheet of over INR 1 lakh crore and a net worth of INR 13,943 crore (approx. US$ 2.6 billion)
• The Group offers services such as commercial banking, stock broking, mutual funds, life insurance, and investment banking

Company Specialties:

• Banking
• Capital Markets
• Stock Broking
• Mutual Funds
• Life Insurance
• Investment Banking

Company Website: http://www.kotak.com

ASSUMPTION: Kotak Mahindra Bank is a well-established financial services conglomerate with a strong presence in India and internationally. The company offers a wide range of financial services and has a large employee base.

📊 Role Analysis

Career Level: Mid-level management

Reporting Structure: The Sales Manager reports directly to the Regional Head of Mortgages, Bharat Business

Work Arrangement: On-site, with flexibility for field visits and business needs

Growth Opportunities:

• Progression to Senior Sales Manager or Regional Head roles
• Expansion into other financial services or products
• International assignments or opportunities

ASSUMPTION: This role offers opportunities for career growth within the organization, including progression to senior management roles or expansion into other financial services or products.

🌍 Location & Work Environment

Office Type: Corporate office environment

Office Location(s): Gulbarga, Karnataka, India

Geographic Context:

• Gulbarga is a city in the Indian state of Karnataka, with a population of over 500,000
• The city has a tropical savanna climate, with hot and dry summers and warm and humid monsoons
• Gulbarga is well-connected by road, rail, and air, with the Gulbarga Airport serving domestic flights

Work Schedule: Full-time (40 hours per week), with flexibility for field visits and business needs

ASSUMPTION: The work environment is a corporate office setting, with flexibility for field visits and business needs. Gulbarga offers a mix of urban and cultural experiences, with a tropical savanna climate.

💼 Interview & Application Insights

Typical Process:

• Online application and resume screening
• Telephonic or video interview with the HR team
• Face-to-face interview with the hiring manager and/or team members
• Background and reference checks

Key Assessment Areas:

• Sales and business development skills
• Team management and motivational skills
• Customer service and communication skills
• Problem-solving and analytical skills
• Familiarity with legal and technical documentation processes

Application Tips:

• Highlight relevant sales management and business development experience in your resume
• Tailor your cover letter to demonstrate your understanding of the role and the company
• Prepare examples of your sales achievements, team management strategies, and customer service experiences
• Research the company and the industry to show your enthusiasm and knowledge

ATS Keywords: Sales management, business development, team training, client relationship management, customer service, portfolio management, cross-selling, documentation oversight, team motivation, performance monitoring, revenue target achievement, CASA building, delinquency management, legal compliance, technical compliance, field visits

ASSUMPTION: The application process involves multiple stages, including online application screening, telephonic or video interviews, and face-to-face interviews. The key assessment areas focus on sales, team management, customer service, and problem-solving skills. Applicants should tailor their resumes and cover letters to highlight relevant experience and demonstrate their understanding of the role and the company.

🛠️ Tools & Technologies

• Salesforce CRM
• Microsoft Office Suite (Word, Excel, PowerPoint)
• Google Workspace (Gmail, Google Drive, Google Docs)
• Project management tools (e.g., Asana, Trello)

ASSUMPTION: The role requires proficiency in using CRM software, Microsoft Office Suite, and Google Workspace. Familiarity with project management tools would be an asset.

👔 Cultural Fit Considerations

Company Values:

• Customer-centricity
• Integrity
• Respect
• Excellence
• Accountability

Work Style:

• Results-driven
• Collaborative
• Adaptable
• Innovative
• Customer-focused

Self-Assessment Questions:

• Do you have a proven track record in sales management and business development?
• Are you comfortable working in a collaborative and results-driven environment?
• Do you have strong customer service and communication skills?
• Are you adaptable and innovative in your approach to sales and team management?

ASSUMPTION: Kotak Mahindra Bank values customer-centricity, integrity, respect, excellence, and accountability. The ideal candidate will have a results-driven, collaborative, and customer-focused work style, with a proven track record in sales management and business development.

⚠️ Potential Challenges

• Meeting monthly sales targets and revenue goals
• Managing and motivating a sales team to achieve high performance
• Ensuring accurate and complete documentation, including legal and technical aspects
• Building and maintaining relationships with clients, DSAs, and channel partners
• Addressing customer concerns and issues promptly and effectively
• Adapting to changes in the market, regulations, or company policies

ASSUMPTION: The role presents challenges in meeting sales targets, managing a sales team, ensuring accurate documentation, building relationships, addressing customer concerns, and adapting to changes in the market or company policies.

📈 Similar Roles Comparison

• This role is similar to other sales management positions in the banking and financial services sector, with a focus on mortgage products
• However, the specific responsibilities, team structure, and company culture may vary
• Career progression opportunities may include senior sales management roles, regional head positions, or expansion into other financial services or products

ASSUMPTION: While this role shares similarities with other sales management positions in the banking and financial services sector, the specific responsibilities, team structure, and company culture may vary. Career progression opportunities may include senior sales management roles, regional head positions, or expansion into other financial services or products.

📝 Sample Projects

• Developing and implementing a sales strategy to achieve monthly sales targets and revenue goals
• Recruiting, training, and motivating a high-performing sales team
• Building and maintaining relationships with clients, DSAs, and channel partners to generate business
• Monitoring team productivity, providing necessary training and support, and ensuring accurate and complete documentation
• Addressing customer concerns and issues promptly and effectively to ensure excellent customer service

ASSUMPTION: Sample projects for this role may include developing and implementing a sales strategy, recruiting and training a high-performing sales team, building relationships with clients and partners, monitoring team productivity, and addressing customer concerns.

❓ Key Questions to Ask During Interview

• What are the key priorities for this role in the first 90 days?
• How does the company support the growth and development of its sales team members?
• What is the company's approach to cross-selling and fee-based income achievement?
• How does the company monitor and evaluate portfolio quality and delinquency targets?
• What is the company's strategy for expanding its mortgage business in the Bharat Business segment?

ASSUMPTION: Key questions to ask during the interview may include understanding the role's priorities, the company's approach to growth and development, cross-selling strategies, portfolio quality monitoring, and the company's expansion plans for its mortgage business.

📌 Next Steps for Applicants

To apply for this position:

• Submit your application through the following link: https://hcbt.fa.em2.oraclecloud.com/hcmUI/CandidateExperience/en/sites/CX/job/191521
• Tailor your resume to highlight your relevant sales management and business development experience
• Write a cover letter demonstrating your understanding of the role and the company
• Prepare examples of your sales achievements, team management strategies, and customer service experiences
• Follow up with the HR team within 7 days of submitting your application

⚠️ This job description contains AI-assisted information. Details should be verified directly with the employer before making decisions.