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Ratnakar Bank Limited (RBL Bank) Recruitment 2015 – 02 Vacancy – Product Sales Manager – Graduate, Post Graduate

Ratnakar Bank Limited (RBL Bank) has issued a recruitment notification for the recruitment of Product Sales Manager through recruitment notification. Candidates who have completed Graduate, Post Graduate  can apply for the new recruitment notification from  Ratnakar Bank Limited (RBL Bank).

Eligible candidates can apply offline for the Product Sales Manager Job on or before 30/10/2015. Find more information about the vacancy like Age limit, Selection Process, Qualification, Application fee, How to apply etc can be found below.

Company Name :   Ratnakar Bank Limited (RBL Bank)
Vacancy Name : Product Sales Manager
Educational Qualification : Any Graduate, Any Post Graduate
Total No of Vacancy : 02 Post
Salary : NA
Job Location : Ahmednagar
Last Date to Apply for this job : 30/10/2015
Address for the Job Vacancy : Ratnakar Bank Limited (RBL Bank) , Ahmednagar

Detail of  Ratnakar Bank Limited (RBL Bank) Product Sales Manager Recruitment:

Job Title Product Sales Manager (PSM)
Department DB & FI- Micro banking
Grade Assistant Manager/Manager
Location RBL Branch
Reporting To Area Manager/ Zonal Head- Micro banking


Position Purpose

·         To facilitate BC associates in setting-up Micro banking business operations

·         Verification of all original KYC documents post interaction with clients

·         To conduct necessary field visit prior to loan sanction for minimum due diligence check

·         Participation in Branch Loan Committee towards completion of loan sanctioning process

·         Monitoring and supervising the operational processes of BC to develop portfolio’s health

·         To act as a bridge between the bank and the BC for various coordination tasks

·         For managing Audit & compliance for ensuring smooth operations



Position Responsibilities

Sr. Key Responsibilities
1 Business Development:

Achieving the allotted business target in terms of client, disbursement ,

Outstanding and productivity.

Conducting  final client verification in person sourced by the BC in terms of GRT

– Need to conduct GRT process for all clients on mandatory basis

– Presenting the Appraised proposals to Branch Loan Committee for further processing

– Managing timely transit of approved proposal to NOC-Mumbai


2 Monitoring and Supervision of portfolio and Back Office:

– Field monitoring of Center Meeting, CGT, LUC, Disbursement done by respective BC

– Ensuring all back office processes are smoothly done at both RBL & BC’s branch/s

– Ensuring the policies and procedures are implemented  in a best possible manner

– Reviewing the MIS reports to understand the health of the portfolio & accordingly assist the BC


3 Delinquency Management:

– Managing 100% repayment rate with the support of BC’s management

– Ensuring Timely update of collection in UPASS/GS

– Analysing and understanding the cause of OVERDUE if any and draw action plan for follow-up to fix.

– Personal visits to critical customers along with BC staffs to resolve the issues

– Designing/implementing the preventive measures to avoid delinquency

– Managing all the unwanted situations with the support of BC staffs

4 Audit & Compliance:

– Ensure that all the policies and procedures are implemented properly and branches are rated best

– Reviewing the risk/audit reports  and ensure the compliance  aspects by taking necessary actions

– Ensure compliance report submission  within stipulated time frame


5 TAT and Documentation:

Should maintain the TAT for all processes across various levels for effective service delivery

-Should ensure that quality loan documents are sent to NOC with the support of BC teams

-Timely movement of PDD to NOC as per process manual


6 Building Relations with Stakeholders:

– Building healthy relationship with local RBL branch team, BC’s team, local

authorities, NGO’s and other financial Institutions

– Having close watch on competitors  and ensures continuous feedback

to the organization


Qualifications and Experience Requirement

Essential Must be a Graduate/Post-graduate from well recognised University
Essential ·         Minimum 3-5 years’ experience in the Field Operations of  MFI/Bank

·         Should have managed at least a team of 15-30 members directly

·         Should have sound field knowledge, financial business management experience

·         Should have experience of leading a team for common goals

·         Should possess ability to resolve conflicts across various levels and must be able to look into any complaints lodged by clients/BC staffs

·         Ability to analyse, understand, plan and act according to the situation in distressed conditions

·         Must be willing to travel extensively


Competency Requirements

Technical Skills

Skill Attribute
Computer Skills Must have fair knowledge of MS-Office


Behavioural Skills

Skill Attribute
Leadership Skills Must be able to lead all business setting-up exercise and be very confident to motivate the team members for achievement of all set financial & non-financial targets
Communication Skills Must possess very good communication skills in order to create an impact while doing all interactions with various stake holders for healthy inter-personal relationships
Analytical Skills Must be having sound analytical brain to understand the things deeply and help the organisation maintain a sustainable & smooth business operations

Product Sales Manager

Job Description


To monitor the effective implementation of the process, policies and control measures of the bank at BC location

Audit and compliance of the process and portfolio as per bank policy

Manage the quality of the portfolio through business correspondents and act on the suggestions of the risk team

Training the BC staff on the new process and bank policies

To conduct client satisfaction surveys and address the client grievances.

2-10 yrs
Positive attitude, result orientation, loving field work

To oversee the micro-banking operations in the designated territory

To act oversee the portfolio of the bank delivered through BC and act as custodian for the bank

To assess the clients and recommend for credit

To achieve the monthly assigned targets for the various products offered by bank through Business correspondent.

Selection Procedure for  Ratnakar Bank Limited (RBL Bank) – Product Sales Manager Post: 

Candidates can apply on or before    30/10/2015.

No detailed information about the selection procedure is mentioned in the recruitment notification.

How to apply for Product Sales Manager Vacancy in  Ratnakar Bank Limited (RBL Bank) :

Last Date Receipt of Application 30/10/2015

Important dates to remember :

Last Date to Apply for this job 30/10/2015

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