Job Summary To own and drive the Asset Cross-Sell business for the assigned region by delivering disbursement targets across retail asset products through the Branch Banking channel. The role is responsible for regional business planning and execution, sales strategy, campaign and contest management, stakeholder engagement, performance governance and execution of strategic initiatives to maximize business growth. The role also drives relationship deepening by ensuring customers acquired through Asset Cross-Sell are effectively cross-sold Liability Products, Third Party Products (TPP), Digital Banking and other relevant Bank offerings.

Size of the Role Financial Size

- Responsible for delivering annual Asset Cross-Sell disbursements of 750+ Crore for the assigned region.
- Drive business across 170+ Branches in the assigned region

Non-Financial Size

- Drive business across Home Loans (Affordable Housing, Prime Home Loan Micro Mortgage), MSME (LAP Working Capital), Gold Loans, Agri Loans, Vehicle Finance (Two-Wheeler Used Car Loans) and Credit Cards.
- Govern an annual lead funnel of approximate 1,00,000+ customer leads through Branch Banking and regional business initiatives.
- Oversee business performance and productivity of Asset Desk Managers (ADMs).

Key Duties and Responsibilities of the Role Business

- Own the Asset Cross-Sell business for the assigned region and deliver business, disbursement and productivity targets across retail asset products.
- Develop and execute regional business plans and strategies to drive sustainable business growth.




- Drive branch-wise and product-wise performance through structured reviews, business planning and performance governance.
- Design and execute regional campaigns, contests and focused business drives to accelerate business performance and improve branch engagement.
- Own and drive regional strategic initiatives such as Asset Desk Manager (ADM), Branch-led Asset and other business programs introduced by the Bank.
- Monitor the complete business funnel from lead generation to disbursement and drive interventions to improve productivity, conversion and TAT.
- Identify business opportunities through MIS, portfolio analytics, market intelligence and customer insights and implement focused regional interventions.
- Drive relationship deepening by ensuring customers sourced through Asset Cross-Sell are effectively cross-sold Liability Products, Third Party Products (TPP), Digital Banking and other relevant Bank offerings.
- Partner with Product teams to drive adoption of recent products and provide structured feedback on product features, pricing, policies and business processes based on regional insights.
- Monitor campaign effectiveness, business productivity and portfolio quality and implement corrective actions to achieve business objectives.





Customer (Both Internal External)

- Partner with Regional Business Heads, Cluster Heads, Branch Managers and stakeholders/ supervisors of Asset teams to maximize Asset Cross-Sell performance across the region.
- Support branches in identifying customer opportunities and enhance customer experience throughout the sales journey.
- Strengthen customer relationships by promoting comprehensive banking solutions beyond asset products.
- Capture customer and market feedback to identify emerging business opportunities and improve product adoption.

Internal Process

- Conduct regular regional business reviews and monitor branch-wise productivity, conversion ratios and turnaround times.
- Collaborate with Product, Credit, Operations, Analytics, Marketing, Digital and Training teams to drive business growth and resolve regional bottlenecks.
- Ensure effective utilization of leads generated through branches, campaigns and other sourcing channels.
- Ensure compliance with regulatory guidelines, internal policies and risk management frameworks.

Innovation Learning

- Identify and implement best practices to improve business performance and branch productivity.
- Recommend process improvements and automation opportunities based on regional business insights.
- Conduct capability-building programs for Branch Banking teams and ADMs on asset products, sales effectiveness and cross-sell opportunities.
- Promote a culture of continuous learning, innovation and business excellence across the region.

📌 Asset Product Manager (Pune)
🏢 Ujjivan Small Finance Bank
📍 Pune