Bharat Banking:Geography Head - Bharat Enterprises Retail

Axis Bank

Hyderabad, India

10-12 Years

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Job Description

Bharat Banking: Geography Head-Bharat Enterprises Retail
INTERNAL USAGE:
No. of Vacancies:	1	Reports to:	Grade: EVP (Business Head-BE)
Is a Team leader	Y	Team Size:	N/A

Grade:
Business:	Bharat Banking	Department:	Bharat Enterprises	Sub-Department:	Retail
Location:	Pan Indian Cities
About Bharat Banking
The increasing income diversification, evolution of the tech stack, various government schemes to improve livelihoods, and integrating the country via roads and the internet have provided strong tailwinds to the rural and semi urban (RUSU) or Bharat markets. To better capitalize on the growth runway and open the world of possibilities for the Bharat customer, the bank has set up a separate Bharat Bank vertical. It is an amalgamation of products and geography, handling certain core products across the country and all the products in the RUSU branches. The objective is to accelerate the growth journey by expanding distribution reach via branches, partnerships, and digital presence, creating tailored products and processes, and using the One Axis strategy to harness synergies in all parts of the Bank to deliver to the Bharat customer. The Bank also continues to focus on growing the book profitably by enhancing productivity, improving operational efficiency to reduce cost, and containing risk by leveraging technology such as AI and ML & rigorous portfolio monitoring
AbouttheRole
The Geography Head sets the vision for the zones and develops and adheres to a business plan to attain this vision. The Geo Head is responsible for maintaining the profit and loss of the location and for the business expansion and growth of the lending book of the area to achieve the topline and profitability goals. The Geo Head coordinates with the area managers to ensure that they can respond proactively to business issues and challenges by providing them with the required guidance and support.
Key Responsibilities
Drive the business in the geography through the sales resources and ensure attainment of targets Map the business potential in the geography of operation Manage the quality of portfolio through soft recovery in early bucket defaults Organize activities/events across channels to increase lead generation Conduct field visits in case of High value loan proposal Liaise with internal stake holders to improve sourcing and ensure quick conversion of business Evaluate market trends and gather competitive information, identify trends that affect current and future growth of regional sales and profitability. Effectively engage Operations and Risk teams to understand and contribute to overall processes and profitability across locations. Maintain good working environment and high motivation level at across location Organize training sessions, guide and coach RMs to enable them to attain the desirable sales performance levels
Qualifications
Optimal qualification for success on the job is: CA or MBA from a recognized institute Minimum 10+ years of experience in related banking activities . Other graduates with relevant experience would also be considered
Role Proficiencies:
For successful execution of the job, the candidate should possess the following: Knowledge of industry, technology, marketing, and product trends Knowledge of regulatory guidelines and norms Good communication (both verbal and written) skill in both English and the local language Ability to manage complex client situations