Regional Business Manager-MSME - WEST

Ujjivan Financial Services

8-12 Years

Not Disclosed

Pune, India

Posted 8 days ago
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Job Description

POSITION DESCRIPTION

JOB TITLE : Regional Business Manager

GRADE : VP-I

DEPARTMENT : MSME

LOCATION : Regional Office

Business Vertical

TYPE OF POSITION : Full-time

REPORTS TO : Business Head

REPORTING INTO

Area Managers

ROLE PURPOSE & OBJECTIVE

The incumbent is responsible for the overall performance of the portfolio in his/her region in terms of results and targets set as well as for the correct implementing of the established operational procedure of the Product program, encouraging and supervising the team's productivity, thus achieving the pre-established monthly and yearly goals. Regular and continuous coordination and communication with other departments such as product, credit, operations, IT & HR are fundamental to ensure compliance with results, policies and norms established as well as the development and adjustments of products, marketing strategies, procedures and reporting tools.
SIZE OF THE ROLE

FINANCIAL SIZE

NON-FINANCIAL SIZE

Drive Average Monthly Business of 300 – 750 lacs from each Area Manager

Manage Team of 4 – 8 Area Managers, Each AM will have Team of 4 – 8 SMs. So Overall Team size of 25 – 60 people (Direct + indirect)

Manage mapped Portfolio of around 275 – 750 crs.

Maintain Target Portfolio Yield

Manage the Target P&L

Maintain Target Collection efficiency in allocated pool

KEY DUTIES & RESPONSIBILITIES OF THE ROLE

Business

Oversees the performance of the loan's portfolio of his/her region by area and branch in terms of growth (amount and client base) and productivity (loans disbursed per month)
Monitor for slippages and suggest alternate measures as required
Developing objectives and strategies for the region that are required to set up Housing Loans Business
Developing annual budgets for the region and ensuring that the same is implemented as approved
Track the portfolio for growth & profitability (Numbers & Yield)
Target to improve market share by New customer acquisition
Ensure adequate marketing activities to build a Brand
Ensure adequate number of leads for cross sell of liability and/ or Third Party Products

Customer

Ensure customers are educated about all products/services offered by Ujjivan.
Ensure lower customer attrition by providing different products as per customer requirement
Resolving conflicts and negotiating with others by handling complaints, settling disputes and resolving grievances maintain/improve SQ level
Portfolio retention and cross sell & up sell product to the existing customers
Adequate contact and monitoring of performance for Legal / Technical vendors

Internal process

Track & Maintain the portfolio health – Quality underwriting & efficient collection management
Ensure compliance with lending guidelines, quality framework and audit requirements; ensure speedy resolution of any audit observations and take necessary steps to prevent recurrence audit and other regulations.

Learning & Performance

Ensure that all members of his team are up to date on all relevant circulars and all products/services offered in the Branch
Ensure adherence to training man-days/ mandatory training programs for self and reportees
Developing and building teams by building and nurturing mutual trust, respect and imparting trainings for their capability building
Ensure goal-setting, mid-year review and annual appraisal process within specified timelines for self and reportees
Manage attrition of the team by implementing required retention measures
MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS

Educational

Qualifications