RL - Consumers:Geography Head - Branch

Axis Bank

Chandigarh, India

12-14 Years

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Posted 18 hours ago
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Job Description

GEOGRAPHY HEAD â€ CONSUMER LOANS, RETAIL LENDING

About the Business Group:
The Consumer Loan department is a part of Retail Lending business of the bank andoffers Personal loans and Education Loans to all categories of customers Pan India.
About the Role:
This leadership role focuses on driving sales, achieving business objectives and maximizing profitability for the Consumer Loans business. It requires strategic planning and execution to boost revenue, grow the portfolio, and maintain risk and compliance.
Details of the Role:
Department	Retail Lending	Grade	VP/SVPI
Sub-Department	RL- Consumer Loans	Reporting (Business)	SVPII
Location	Mumbai	Reporting (Matrix)
Key Responsibilities:
Business Goals & Profitability Responsible for driving the P&L of Personal Loans and Education Loans Prepare the Geography sales budget and execute strategies that enable achieving the target Prepare Monthly, Quarterly, and Annual sales forecasts and be responsible for the Zonal sales target along with the growth and profitability of the portfolio Audit, Compliance, and Risk Management Ensure risk compliance through the completion of FCI and Internal Investigations observations, and repeat observations, ensuring timely and satisfactory closure. Be responsible for the quality of the business portfolio by closely working with Risk and Credit teams and ensuring RAC Audits. Sales and Channel Development Develop and enhance new and existing channels of sales, such as Direct Sales Agents, Connectors, AVC, and Branch. Ensure Siddhi adoption and usage. Ensure digital adoption (MLP) and scale up applications through digital journeys Responsible for Cross sell and Vas products penetration. Responsible of Resource activation. DSA/ Connector enplanement and overall activation. Responsible for Productivity of ASM. Responsible for setting up right distribution span across geographies and segments. Customer Experience Oversee a fulfilling customer journey leading to customer delight and making the Bank the partner of choice. Increase customer retention and drive engagement across existing customers to improve Net Promoter Score, customer satisfaction. Responsible for FTR for his territory. Collaboration and People Priorities Collaborate with cross-functional partners to drive business results Control regrettable attrition across all grades to maintain a strong and motivated team Drive various people agenda, including but not limited to, values, talent management, internal mobility, culture, learning and developments
Role Requirements:
Qualification: Graduation/post-graduation from a recognized institute 12+ sales experience (unsecured loans preferred) with at least 3-4 years in Personal loans
Role Proficiencies:
Strong sales orientation Proficiency in managing complex client relationships, diverse stakeholders Capability to handle pressure and meet deadlines Skill in managing large, geographically spread team coaching and mentoring team members Competence in managing within a dynamic, priority-setting environment Strong risk and compliance mindset Adept at communication and interpersonal skills

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