Role & responsibilities:
- Strategy and Planning
- Initiate the branch network expansion through network planning, identifying potential market.
- Develop new strategies to scan the market for potential new avenues & generate revenue from untapped markets; launch recent products for generating new business post consultation with respective Business Heads.
- Formulate the sales, distribution, and disbursement strategy for the Region.
- Business Health
- Achieve Regional targets by reaching out and tapping the full potential of the
targeted customer segment within the specified area.
- Guide & facilitate Area Managers to formulate and drive plans for their respective Cluster.
- Ensure Overall revenue targets are met for the assigned geographical region monthly.
- Ensure overall revenue targets are reached as per the approved matrix for the Region from all revenue sources (processing fees, cross sell, yield etc.)
- Ensure the profitability targets to be met for all the product in assigned Region.
- Ensure that branch profitability is maintained (Fee Income >= Branch Cost) which can be measured as per branch score card.
- Responsible for Marketing.
- Operational Excellence and Customer Service
- Ensure smooth loan processing process is maintained at all reporting branches and customer service delivered as per commitments made and organizations policy
- Ensure review of all cases in assigned Region to conduct sales personal discussion (PD) to understand the customer profile and ensure right sourcing.
- Portfolio Management
- Maintaining healthy portfolio of the assigned region (Existing and New).
- Work on strategy to ensure regularization of delinquent accounts and improve portfolio health
- Support and guide the sales and collections team of the cluster to improve portfolio health
- Team Development
- Ensure adequate manpower resources at each branch and support hiring of quality manpow