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Job summary

Location:
Ludhiana, India, Asia
Career Level:
Mid Career (2+ years of experience)
Education:
Advanced Degree
Job type:
Full time
Positions:
5
Salary:
INR 4,00,000 - 9,00,000 P.A

Branch Business Head-sr Manager Grade From Sales & Collection

About this job

Experience: 4 to 9 yrs.  

Job Description

Drive Sales of Secured SME Loans and Loan against Property for the branch & keep control on portfolio of the branch from becoming delinquent.

Responsibility

1.Sales & Distribution

Achieve the Business target for the region / area

Build and manage distribution mix through sourcing channels, Alternate channels to achieve the required channel and product mix

Grow the existing channels and develop alternate sourcing channels, Tele-Sales channels and referral channel to meet the current and future business projections

Manage profitability Productivity, Yield and acquisition cost within the budgeted levels

Achieve the budgeted cross sell targets

2.Collections

Be the owner of Collections for the accounts for the location handled

Management and presentation of Collection management information systems (MIS) and regular performance reviews

Handle through the sales team members, the on ground collection.

Manage delinquency related parameters and ensuring are within triggers.

3.People Management & Performance Management

Identification, hiring , training and retention of the desired sales staff at regional & area levels

Implement the performance management system and culture as per the objective of the organization

Implementing the monitoring mechanism and MIS to ensure that each parameter of KPI is constantly measured, reported , analyzed and improved

Act as a constant source of feedback to product and policy teams to aid in innovating the current product offering and launching new products

Monitor Volumes, Productivity, COA, Yield, Cross Sell penetration, NCL, 0-6 MOB delinquency, Service Quality, Product Mix, Channel Mix, Segment Mix, Sanction Rate and Disbursal Rate.

4.Governance & Compliance

Implement processes as per policy.

Educate and train the team members on the policy requirement

Ensure and check that policies and standards are being implemented at the ground level

Ensure that the recommended process of appointment, management and review of the DSAs and DSTs is being followed.

Implementing the Fraud Control systems

Ensure that region / area is always Audit Ready and Complaint with internal and external policies and regulations

5. Customer Service

Create a customer centric culture

Implement, measure, monitor and control parameters that improve customer experience

Should be able to manage sales & collection function of the branch

Should have Exposure of Property backed & Asset based lending products

Should have knowledge about local industrial trend /Machineries

Basic knowledge of Legal aspect of the recovery unit

Should have corporate sales exposure

Industry: Banking, Financial Services, Broking

Functional Area: Financial Services, Banking, Investments, Insurance

Role Category:Retail/ Personal Banking

Role:Branch Manager

Desired Candidate Profile

Education:(UG - Any Graduate - Any Specialization, Graduation Not Required) AND (PG - Any PG Course - Any Specialization, Post Graduation Not Required) 


Job keywords/tags:  loan against property , mortgages , home loans , sales , collection , team handling , sme , retail asset
Developed by Figo Mago at www.tandolin.co.za

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