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 recurrence of 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 changesbased on business capability and credit risk assessment capacity and propose solutions for improvement

ROLE REQUIREMENTS

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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