Full ownership of the vertical’s P&L; & to manage area, existing client base, execution & tracking of sourcing’s. Own end-to-end Portfolio management, relationship growth and ensuring portfolio hygiene through timely renewals, PDD compliance, and delinquency resolution.
Duties And Responsibilities
Identify business focus and develop action plan to grow/ expand business for Small Business lending vertical and achieve set AOP targets.
Drive business growth by identifying opportunities for customer acquisition, cross-selling, and upselling of products and services
Portfolio Management: Build and manage a diversified lending portfolio, ensuring alignment with the company's lending norms and risk appetite.
Credit Quality Assurance: Maintain a robust focus on credit quality by monitoring client accounts, identifying early warning signals, and taking appropriate actions to mitigate risks.
Market Analysis: Track market developments, analyse trends, and provide strategic feedback to the management team.
Stakeholder Coordination:
Liasioning with credit/risk/ops for sourcing assessment and policy compliance.
Team Development: Participate in recruitment, hire right talent and employee retention.
Reporting and Compliance: Ensure all activities comply with regulatory requirements and internal policies. Regularly report on progress and key metrics.
Key Decisions / Dimensions
Expanding Geography/ Adding Manpower
Product Introduction
Growth to team. R&R;
Exit Conversations|
Business growth
Market penetration
Attrition %
Fee income and NTB acquisition applicable
Major Challenges
Managing deliveries/performance Vs Management expectation (AOP)
Scale & size - Market Development
Ensuring credit quality
Attracting right Talent /Hiring
Required Qualifications And Experience
Qualifications
MBA Finance from a reputed institute
Work Experience
Candidate needs to have overall experience of more than 10 years, of which a minimum of 5 years