GEOGRAPHY HEAD AUTO LOANS (WHEELS), RETAIL LENDING
About the Business Group:
The Auto Loans department is a part of Retail Lending business of the bankwhich offers Car Loans to all categories of customers Pan India.
About the Role:
Geo Head is responsible to achieve business goals and profitability, set targets, manage resources, and drive P&L by ensuring a balanced mix of new and used assets, quality sourcing, and cost management. The incumbent will be responsible for the achievement of Sales & Fees Volume for his team.
Details of the Role:
Department
Retail Lending (Wheels)
Grade
VP/ SVP-I
Sub-Department
RL- Wheels (Auto Loans)
Reporting (Business)
SVP-II
Location
Mumbai
Reporting (Matrix)
Key Responsibilities:
Business Goals & Profitability
Setting up business targets, resource management, defining key actionable to achieve KPIs of business with equal focus on ETB customers through branches.
Responsible for driving P&L of AL Business by ensuring right business mix of New and Used, quality sourcing, margins, cost of acquisition and credit cost and throughput of each resource, digital adoption to reduce processing cost.
Establish relationship with OEM partners at Zonal level to drive strategic initiatives and improve penetration at each counter through mutually agreed numbers.
Regular engagement with RBBH to drive higher Branch penetration and calendarize activities for getting the mindset of the Branch Team to bring more focus. Involvement of RBBH for key channel meets and attending OEM events.
Adoption of Siddhi Application to enhance efficiency in Sales Team as well as bringing discipline at last leg
Oversee fulfilling customer journey with seamless processing and offering a host of banking solutions leading to customer delight.
Make Axis Bank the financier of first choice by ensuring best in class TAT
Responsible to increase customer retention and engagement to improve Net Promoter Score and customer satisfaction.
Collaborate with cross-functional partners to drive business results
Control attrition across all grades through counselling, motivation and HR engagement
Drive various people agenda, including but not limited to, values, talent management, internal mobility, culture, learning and developments
Audit, Compliance, and Risk Management
Partner with Risk and Collections teams to restrict early delinquency and collaborate for resolving non-starter and early delinquency cases.
Sales and Channel Development
Customer Experience
Collaboration and People Priorities
Qualifications:
Graduation/post-graduation from a recognized institute
12+ years of work experience (Lending domain preferred)
Role Proficiencies:
Strong sales orientation
Proficiency in managing complex client and partner 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
