Key Result Areas (Max 1325 Characters)
Supporting Actions (Max 1325 Characters)
Branch Sales Planning & Management
- Work with Circle Head on devising the sales plan for the branch/s and devise the approach for achieving the set targets.
- Develop and implement plans to achieve business targets and promote multiple products through multiple sales channels that include Direct to customer and Direct Selling Agencies.
- Track industry developments and scan market on competitive offerings on periodic basis.
- Foster a culture of high performance, accountability, customer-centricity, governance within the team in assigned branch/s.
- Work closely with operations, credit, collections teams to achieve branch's profitability.
- Prepare and report product-wise MIS reports on disbursement, profitability, team's productivity, collections, NPA, etc. to circle head on daily/weekly basis, as need be.
Team and Internal Stakeholder Management
- Lead and develop a team of 6-8 Sales Managers and offer knowledge over product, sales techniques, customer engagement efforts & leveraging multiple sales channels and customer base.
- Offer support to create a sustainable funnel for sourcing & generating quality customer leads and more quality sales channels.
- Guide team to liaise with Operations, risk and sales governance team
- Offer support with adequate knowledge upon scanning customer files from various risk factors in order to maintain portfolio quality.
- Conduct daily productivity meet with the Sales Managers, Channel partners to update on product policy, provide feedback, and address challenges.
- Build and maintain healthy relationships with underwriters, branch operations and collections manager for smooth cross-functional coordination that leads to improved branch productivity.
- Identify behavioral and skill-based training needs and nominate the team for relevant trainings/ seminars to improve efficiency.
Customer Acquisition/ Engagement
- Identify market potential to grow business and leverage the opportunities by driving initiatives on acquiring new customers and increase the book size of the branch to targeted numbers.
- Offer adequate support to the team to increase login to disbursal conversion ratio.
- Handhold team to identify sustainable ways to grow customer database and leverage existing book to ensure adequate conversions for branch profitability.
- Closely track customer complaints and escalations to offer solutions to customer's satisfaction. Also, to identify process lags and direct the team towards efficiency.
Operational Effectiveness
- Drive adoption of business processes from sourcing to collections to ensure efficiency and customer satisfaction in the branch. Address operational issues and implement solutions to enhance branch performance.
- Build and maintain healthy relationships with Operations and Sales Governance teams for smooth coordination, process efficiencies and improved TATs.
- Monitor and report to Circle head on sales operations and productivity metrics.
- Encourage implementation of improved processes and best practices in order to enhance operational effectiveness, productivity and customer satisfaction.
Portfolio & Risk Management
- Work with the Risk, Operations and Sales Governance teams to ensure adherence to risk management and control mechanisms
- Support risk and review process by reviewing the loan sanctioning, disbursement process and documentation to ensure controlled operations.
- Monitor and prepare MIS on NPA and defaulters in the portfolio for proactive response and drive effective solution.
- Proactively identify risks to maintain portfolio quality and liaise with the risk team in escalation cases.
