Responsibilities :

1. Budget & Profitability

- Ensure business targets, disbursement growth and budget fulfillment for the division.

- Drive profitability and ensure healthy portfolio.

- To increase the Disbursement and Market Share of Commercial Equipment Business.

- Regular planning to achieve business budget by means of various channels.

- To increase the Disbursement and Market Share of Commercial Equipment Business.

- To maintain and achieve targeted IRR.

2. Team Management : 

- Manpower allocation as per the business requirements at ABM and portfolio manager level in discussion with the Circle Head.

- Regular training of team on process standardization, process adherence through methods of Daily Work Management

- Timely communication to the teams on various new policies / guidelines and schemes.

- Appraisal of team members as per organization timelines and regular feedback to the team by means of reviews.

- Identifying skill gaps & continue training, mentoring & guiding the team

3. Relationship Management : 

- Develop relationships with Dealers, brokers, DSA, organized channel to achieve business budget.

- Fraud Vigilance

4. Portfolio Management and MIS : 

- Providing support to team for highly volatile customers.

- To ensure and maintain healthy portfolio for Commercial Equipment segment of Business

- To maintain and send regular MIS on monthly / quarterly basis as defined By Circle head and business head. Ensuring the adherence to the policy norms. Maintain minimum deviation level.

- Rejection tracker preparation and also centralizing the same to understand trends, any specific area, business executives showing concern. Monitoring portfolio on a continuous basis, whether any hub/spoke/pocket/segment/usage/asset/customer grade is showing a stressed portfolio and hence suggesting corrective action.

- Visits to early delinquency and non starter customers

- Once a month visiting one Hub/spoke and preparing a detailed note on Total Industry Volume (TIV), market outlook, critical observations etc.

- Meeting each Large account (exposure greater than Rs 1 crore) once every quarter and prepare LAM (Large Account Monitoring) a write-up on his current business, projected plans for the year, whether there are any new developments in the group or any changes in Principal amount.

- Preparing CAs (Credit Approvals) for large deals from time to time, such that a onetime approval is taken for large deals for the entire year in one go.

- Prepare study note on market scenario/dynamics and competitors activities every month.

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