We have a very urgent requirement with one of our client.

Position : Area MAnager- SME

Location : Chennai & Davangere(Karnataka)

Primary Responsibilities

Business

- Daily/ Weekly /Monthly monitoring of the accomplishment of targets (new customer acquisition, retention and enhancements of existing customers) according to the annual/monthly targets established for the area and branches under his/her responsibility to provide guidance and solutions to his/her team as and when required

- Assigns 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 region by area, branch, Relationship Officer with the objective to identify tendencies and risks.

- Supports Cluster Manager- in his/her area in their duties of client visits, risk assessment and recovery strategies

- 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.

- Ensure, supervise the correct implementation of the credit procedures including all the respective tools

Customer

- Ensure customers are educated about all products/services offered by Ujjivan.

- Implement marketing strategy for the area

- Ensure lower customer attrition by providing different products as per customer requirement.

- Focus on lower TAT as per laid down standards.

- Visit client and their operations place from time to time to pick up any EWS

- Drive the first line of collections

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 recurrenceof the same

- Sanctioning of loans according to the policy in place.

- Ensure, supervise the correct implementation of the credit procedures including all the respective tools

- Discuss and suggest strategies and changes in terms of products, capacity building, procedures etc.

Learning & Performance

- Ensure that all members of his team are up to date on all relevant circulars and all products/services offered in the Branch

- Ensure adherence to training man-days/ mandatory training programs for self and team

- Ensure goal-setting, mid-year review and annual appraisal process within specified timelines for self and team

- Monitor performance of staff against defined goals/metrics and take corrective action wherever required; undertake disciplinary and attendance monitoring of secured loans team.

- Evaluate the staff competencies and recommend suitable career changes based on business capability and credit risk assessment capacity and propose solutions for improvement

Desired Qualification :

Graduate in Commerce or related subjects and MBA/CA or equivalent

5 years in sales and documentation of loans of which at least 2 years in secured loans, business loans or loan against property in an NBFC/ Bank/HFC. Mixed experience of Sales + Credit is acceptable, but should be predominantly in sales.

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