Territory Manager- LAP

Job Title Territory Manager- LAP

Function / Department Rural-Business

Department Head Rural Business Head

Reporting Manager Regional Sales Manager , Secured

Purpose of the Job:

Building Enterprise business in the designated branches through Enterprise RMs with quality portfolio.

Describe the KPIs against each perspective
PerspectiveKey Performance IndicatorsBusiness and Financial Management- Cluster business/disbursement
- Cluster Portfolio Performance
- Productivity of ERMs
- Growth in contribution on volume and revenue to the state
- DSA businessCustomer Focus- Healthy TAT, Customer visit-both prospective and existing.
- Facilitating case approval & resolution in TAT
- Current Customer acquisition
People / Team- Training and Team building for better business
- Attrition Voluntary / Involuntary
- Active DSAs
Process / Quality Improvement- Complete File Log In efficiency
- No.of exceptions raised in QC
- PDD compliance

Team Management

- Active hiring the good resources ensuring 100% staffing at any given point.
- Leading the ERMs for better market understanding thereby higher sourcing
- Regular training and reviews
- Communicating the policy changes on regular basis
- Coordinating with Risk and Ops for quicker file movement
- Grooming the resources for higher roles

Product Performance

- Monitor the sourcing volume and business productivity
- Focus on various enterprises in the market-Various retailers/traders/small manufacturing units etc so that market is penetrated evenly
- Meeting various trade associations, business groups etc to establish network.




- Undertake measures to increase growth in volume and contribution of the cluster to the state.
- Competition assessment on monthly basis, updates and inputs for improvement of Product Program/Policy
- Regular review of file status and facilitating quicker movement.
- Ensure timely repayment- EMI awareness among the customer, repayment through non cash mode

Customer Service

- Periodically meeting the customers to understand the business health status
- Takes a periodic review on customer attrition and reasons for the same.
- Timely resolution of the customer issues

Operations

- Regular review of mortgage activities
- Understand and use technology platforms for effective origination and robust processes.

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. No Other relevant factors (Required Skills) Excellent communication skills in local language
Leadership Skills.
Interpersonal Skills and People Management
Decision Making and Problem Solving.
¢ Customer Service
¢ Planning and Prioritising
¢ Performance Orientation
¢ Team Work.
¢ Conflict Management
¢ Distance Management

Expertise required/ Domain Knowledge: Market Knowledge, Knowledge of Micro Enterprises and its business dynamics

No. of years of relevant experience:
Minimum 7 year secured business loan experience in NBFCs/Banks/SFBs with team handling experience of atleast 3 years.

Any specific specialization/education: Graduate

📌 Territory Sales Manager (Mangalagiri)
🏢 SMFG INDIA CREDIT
📍 Mangalagiri