Job Title Rural Unit Manager

Function / Department Rural

Department Head Rural Head

Reporting Manager Cluster Manager

Purpose of the Job:

Ensure profitability of the branch, and contribution to the revenue of the state by ensuring all Company policies, practices & guidelines are adhered to as per approved policy. All constituents of the branch functions in a seamless manner & build synergy in overall operations of the Unit.

Describe the KPIs against each perspective

PerspectiveKey Performance IndicatorsBusiness and Financial ManagementCollections %
NCL %
Disbursal
Branch Profitability
RCR Rating/GradeCustomer Focus- Conducting center meetings , collections , disbursement
- Attending customer queries & resolution in TAT
- Demonstrated potential to take initiative in building a growing customer base and team
- People / Team- Coordinating with GCO in facilitating disbursement and collectionsProcess / Quality Improvement- Adherence to process disbursement, collections etc.
- Maintenance of all registers and statutory requirements
- Branch Audit rating
- Branch Administration / Hygiene

Self deliverables

The most important tasks performed on an individual basis without involving subordinates are

Sr. NoTask performed1

- Creating a high quality portfolio: UM is responsible for both creating and maintaining a high quality portfolio. He/she will thus have a strong voice in customer selection, by attending CPVs and by conducting GRTs. For the first three months, the UM is responsible for attending 100% of CPVs conducted.




- Sanctioning loans: Once all credit checks are complete, the UM is responsible for sanctioning the loan on the system.
- Monitoring cash management: UM is responsible for conducting cash reconciliation at the end of every day.
- Ensuring on-time collections: UM is to attend 3 center meetings a day, to ensure on-time collections. In case there is a lapse in payment, UM is jointly responsible for following up with default customers (along with the GCO).

2

- Managing and monitoring branch: UM will lead a branch huddle every evening, to understand daily operations and troubleshoot problems. UM will also attend to branch administrative issues as and when they arise.
- Maintaining productivity/profitability: UM will monitor profitability and performance of the branch using various productivity, efficiency and financial parameters.
- Leading and training GCOs: UM will support individual GCOs through their career development. If required, he/she will also lead training programs.
- Ensuring low risk: Identify and analyze risks (economic, social, political, etc) related to broader loan portfolio; ensure portfolio diversification and quality across activities and Area




- Ensuring customer satisfaction: Ensure high level of customer satisfaction through high service quality. Coach Relationship and Branch Managers in analyzing reasons behind high drop-out rates and identifying techniques to reduce drop-out problems

Other factors relevant to the job

Other aspects of the job not covered by the above but necessary to have a full understanding of it are: (add additional sheets if required)

Sr. NoOther relevant factors (Required Skills) Ability to effectively communicate with the public
Good analytic skills, judgment and ability to make independent decisions informed by both quantitative and qualitative data (including informal feedback from stakeholders and non-business context: socio-political-religious environmental factors)
Ability to work with minimal direction. Self-starter
Positive interpersonal, relationship management, customer service, and rapport building skills.
Good leadership and people management skills, with ability to manage people both directly and indirectly at multiple levels and remotely
Ability to prioritize, multi-task, delegate, and proactively resolve problems
Demonstrated potential to take initiative in building a growing customer base and team

Expertise required/ Domain Knowledge: Rural Market Knowledge

No. of years of relevant experience:
Minimum 2 years experience in financial services in a supervisory role, preferably microfinance

Any specific specialization/education: Graduate

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🏢 SMFG INDIA CREDIT
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