Sales Manager, Credit Cards at I&M Bank

Job Summary:

The role holder will be responsible for developing and deploying the credit card product strategy. The role holder  will own and drive the credit card sales business across the Bank network to maximize strong Portfolio Performance and Card Profitability.

  Responsibilities

• Grow retail sales and revenue for all credit card products
• Recruit, train and monitor the performance of card Direct Sales Executives (DSEs) to maximize sales potential
• Lead, mentor and motivate the card DSEs to achieve objectives
• In liaison with Cards Team, develop innovative and actionable card usage plans and programs which align with management directions and are beneficial to credit card business growth.
• Lead and execute sales and marketing activities for the card DSEs under his/her supervision with the goal of meeting and surpassing set targets.
• Identify potential customer segments and analyse their needs to retain the profitable segment, stimulate strong hook for their card usage and increase active ratio.
• Ensure balance of sales volumes and costs to achieve business targets.
• Maintain relationships with existing business partners and explore new ones.
• Lead and coach card DSEs to deliver business results and execution excellence.
• Work with the Card Services Team to develop, manage and execute marketing programs and ensure smooth implementation of marketing programs and initiatives.
• Analyse sales data, prepare reports, and provide actionable insights
• Conduct training sessions to enable product knowledge and selling skills.
• Collaborate with marketing team to develop tailored sales and promotional strategies to drive product uptake.
• Monitor market trends, competitor activities and customer feedback to identify opportunities for business expansion and improvement.
• Work with all stakeholders – branch network, RMs, DSEs to drive card sales
• Ensure constant review of existing processes to enable seamless card sales operations process flow.
• Monitor and maintain relationships with Card Vendors in line with the agreed SLA.
• Ensure compliance with regulations and implement control measures

PERSON SPECIFICATIONS

• Analytical Skills, Team Management, and Selling skills
• Administration with at least 3+ years’ experience in sales or product management of retail banking or credit card products
• Customer Service and Communication skills
• Proven experience in leading sales teams and achieving targets
• Excellent interpersonal and negotiation skills
• Strong problem-solving abilities and attention to detail
• Ability to work under pressure and meet deadlines
• Knowledge of credit card products, industry regulations and market dynamics
• Bachelor's degree in Business Administration or related field