Location Manager 

Job Description :

Job Title Location Manager

Function / Department : Retail

Department Head : Business Head

Reporting Manager,Cluster Business Manager

Purpose of the Job :

- Contribute in growing the secured base of the state which can correspondingly grow the revenue. All this by ensuring all Company policies, practices & guidelines are adhered to as per approved policy.

- Describe the KPIs against each perspective

-Perspective Key Performance Indicators

- Business and Financial Management - Growing the secured book

- Portfolio Management

- Credit Quality demonstrated by skip / delinquency and NCL.

- New Customer Acquisition

- Growth in volume funding

- 100% LI activation for all months

- Contribution to revenue

- Maintenance of average IRR

Customer Focus :

- Retention and Exit of customers

- No.of customers to whom top-ups are given

- No.of cases where PDD is incomplete

People / Team - Attrition in the Unit

- No.of escalations from the team

- No.of employees groomed to the next level

Process / Quality Improvement - Audit Rating

SCOPE & DISCRETION (Span of control)

Self deliverables : 

The most important tasks performed on an individual basis without involving subordinates are

Sr. No Task performed :

1 Identification, development and supervision of Channels / dealers through regular visits

2 Regularly tracks the team on logins, performance and achievements all the while providing them inputs and keeping them on their toes.

3 Ensures all the manning gaps are filled

4 Provide solutions on issues faced and thoughts which can lead to more business generation

5 Tracks the productivity of channels, DSA- s, PD's and canvassers as appropriate.

6 Ensure payouts to channels / canvassers are on-time and audited

7 Attract channels which do business for other competitors while weeding out unproductive channels

8 Tracks the team to have a pipeline of cases

9 Ensure Login to conversion ratio is maintained at 60%

10 Ensure 100% activation on LI every month

11 Have a concrete understanding of the product policy.

12 Ensure delinquency is within the norms

13 Ensure delivery is spaced out through the month rather than accumulation towards month end.

14 Builds network within the channels / dealerships

15 Takes initiative and co-ordinates with the marketing department in brand building and undertakes direct and indirect marketing activities.

16 As the authorized recipient of any notices, represents the company on cases if required.

17 Runs the business with the branch financials in the background.

18 Presenting cases for rate waivers and following on approvals

19 Ensure rejection percentage is below- ..

20 Tracks and ensures PDD is complied with

21 Tracks Non starters, Delinquency and NCL

22 Tracks the collection resolutions

23 Has an update on all the Skip and NCL customers.

24 Meets all the customers and visits channels along with the RE / RM

25 Personally does PD dependent on product.

26 Ensures underperformers are addressed as per the process.

27 Regularly does a check on the process being adhered so that audit rating are always at A

28 Provides for all the stationary requirement of the branch.

29 Liaise with other functions / departments to ensure all the tasks are completed.

30 Attend to customer queries raised through Namaste and Customer Service Cell

31 Ensure there is no compromise on integrity with COC followed always.

32 Escalate immediately on detection or notice of any fraud.

33 Ensures branch FTR to be always above 95%.

34 Follows to address closure on all exceptions raised.

35 Regularly tracks customers eligible for top-up

36 Ensures efforts are put in to reduce customer attrition, forclosures and run offs.

37 Addresses all employee disciplinary issues as per the COC with necessary escalations whenever.

38 Ensure all the reportees are periodically trained and regular updates provided on product and policy

39 Takes active interest in grooming employees to next level.

40 Take various market references and build touch points for customer reference.

41 Check and keep tab on industry trends, key factors impacting industry, performance of trade in local market and regulatory impact

42 Build relationship with trade associations heads, opinion leaders and local associations

43 Takes active interest in providing feedback on various products and policies.

44 Periodically does a trend analysis for early warning indicators on location risks and others with the mitigants used to resolve.

45 Co-ordinate with FCU for setting up specific triggers.

46 Ensures all the exceptions raised are cleared.

47 Represents cases for relook basis merit.

48 Provides updates as and when required.

49 Plans with team and provides daily commitment and correspondingly updates with EOD achievement.

50 Ensures all the statutory requirements are adhered to, with all the renewals in place.

51 Builds relationship with statutory bodies so as to be invoked as and when required.

52 Builds relationship with dealers of products FICCL is associated with.

53 Regularly attends competitor / dealership meetings to update and network

54 Following up to ensure disbursals of all the cases and bookings take place with no spill over.

Degree Influenced

Geography : Entire city

Departments :

Other factors relevant to the job

Other aspects of the job not covered by the above but necessary to have a full understanding of it are: (add additional sheets if required)

Sr. No Other relevant factors (Required Skills)

1 Achievement Orientation : 
2 Commitment : 
3 Conscientiousness : 
4 Team Management : 
5 Flair for numbers with an ability to understand process, read balance sheet and understands customers business requirements :
6 Customer Service : 
7 Collection Understanding : 
8 Interpersonal skills : 
9 Resilience, energy and initiative : 
10 Well networked with respect to customers and financiers : 
11 Demonstrates core company values including integrity and ethics 
12 Product understanding
13 Ability to present a case basis the policy
14 Has worked in the location, and has contact with all the channels / dealers dependant on the product.
15 Dealership / Channel Management

Expertise required/ Domain Knowledge:

a) Having handled channels before
b) Understanding of business
c) Knowledge of local market conditions
d) Competitor knowledge
e) Knowledge of no.of channels servicing the different financial institutions
f) Ability to differentiate between PD / DSA / DST / PPC

g) Is a localite.

No. of years of relevant experience: 6 to 7yrs

Any specific specialization/education: Graduate

This job opening was posted long time back. It may not be active. Nor was it removed by the recruiter. Please use your discretion.