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 (India)
🏢 Ujjivan Small Finance Bank
📍 India