- Business/ Financials
- Daily/ Weekly /Monthly monitoring of the accomplishment of targets according to the annual/monthly targets established for the cluster and branches under his/her responsibility to provide guidance and solutions to his/her team as required
- Assign targets and results on daily, weekly, monthly basis of portfolio of risk by different categories such as days in arrears, number of installment due, amount within his/her Cluster by branch, relationship manager with the objective to identify tendencies and risks.
- Supports Relationship manager- in his/her area in their duties of client visits, risk assessment and recovery strategies
- Effective staffing by timely recruitment & training
- Implement, supervise and control effectiveness of commercial strategy with his/her team to reach the productivity and growth targets established.
- Approve deviations and exceptions according to policy in place.
- Customer (Both Internal & External)
- Ensure customers are educated about all products/services offered by Ujjivan.




- Ensure lower customer attrition by providing different products as per customer requirement.
- Focus on lower TAT as per laid down standards.
- Internal Process
- 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.
- Monitor health of portfolio
- Ensure, supervise the correct implementation of the credit procedures including all the respective tools
- Discuss strategies and changes in terms of products, capacity building, procedures etc.
- Innovation & Learning
- Ensure that all members of his team are up to date on all relevant circulars and all products/services offered in the Branch
- Evaluate the staff competences in terms of promotion, business assessment and credit risk assessment capacity and propose solutions for improvement
- Ensure adherence to training man-days/ mandator

📌 Area Business Manager Working capital (Bengaluru)
🏢 Ujjivan Small Finance Bank
📍 Bengaluru