Manager- Retail Loans

Location : Bangalore

Experience : 5 - 12 Years

Job Description :

1. JOB SUMMARY

- He will be responsible for managing the retail loan vertical in specific cluster. He will be responsible for Personal loans, Open market - Individual loans, cross sale of retail credit products to branch banking customers.

- Expand and grow business opportunities using multiple channels like direct sales team, Branches and alternate bank channels in his respective cluster.

- Meet disbursement targets, maintain spread, manage expenses and meet the resultant profit targets.

- Ensure impeccable portfolio quality.

- Maintain productivity & efficiency standards

- Leading, directing and developing talent to build domain and functional expertise.

2. PRIMARY RESPONSIBILITIES : 

Business : 

- Responsible for retail loans to branch banking customers in his cluster

- Monitor the budgets for the retail loans are met with no backlogs

- Manage portfolio quality across the various cities where Retail Loans have been marketed

- Identify and expand the portfolio to branches based on comprehensive market research

- Ensure that Loan Officers - Retail Loans are managing the collection of each clusters on a day to day basis and ensure that the follow-up for over dues. Immediately first through Loan Officers, Collection Officers and then personally

Customer : 

- Ensuring that all channels are utilized to best efficiency so as to make the customer journey seamless

- Implementing the assisted to self-service goal down the line so that customers are eventually moved to self service

- Ensuring best in class TAT and address any queries that may be raised by the customers for availing loans

- Ensuring that any service complaints are resolved in a timely manner

- Training down the line staffs to treat Customers with respect and providing complete disclosure of terms and conditions

- Dipstick surveys with customers to understand the product needs of customer and modifying the products accordingly

Preferred experience of 5 + years in banking, retail loans, team handling, etc.
 
FUNCTIONAL KNOWLEDGE AND SKILLS : 

(Knowledge and skills needed for satisfactory performance of the job)

- 5 + years of experience in some or all facets of consumer finance businesses (Unsecured loans, Two Wheeler loans, Retail financing, Personal Loans etc.

- Strong People Management skills & handling a team of 5-10 DSTs.

- Strong analytics and technology orientation

- Relevant demonstrated leadership experience in managing a hi-performance team with a sound understanding of key business drivers

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