Job Purpose Statement

To manage business in the assigned territory in terms of business, collections, quality of loan and team

Duties and Responsibilities

For Business Development:

- Plan which activities to be carried out in which village to maximize business in his territory.

- Achieve sales targets on a monthly basis in the assigned territory

- Maintaining relationship with village authorities, managing local bodies, politically influential people and continuously striving to increase brand ambassadors in every targeted village

- Identify potential business opportunities in the region and make recommendation to increase business coverage

- Collecting, transmitting and utilizing market information to be passed on to seniors to facilitate decision making.

- Implement plans by allocating resources as suggested by State Business Heads

- Plan various promotional and Brand Building activities in the region to increase business and market penetration

For portfolio Health:

- Monitoring proper documentation of loan files of the territory

- Ensure timely collection of EMIs

- Monitoring and controlling NPA

- Ensure that audit guidelines are followed and to ensure that the conditions specified in the disbursement advice have been adhered to and that all loan documents are duly filled as required

- Random verification of properties financed during branch visits

- Ensure all norms and audit requirements are being adhered to.

- Maintaining Profitability of territory by controlling cost and AFC collection by Territory - for state as well

For Process Improvement and Adherence:

- Continuously monitor each branch's daily performance and compare it with their monthly target.

- Ensure implementation and adherence to policies and procedures in allocated territory

- Supervise the credit functions of the region and communicate with them regularly for understanding and resolving the issues faced.

Duties and Responsibilities (contd)

- Providing approvals for administrative functions of the Branch

- Submitting MIS reports to state head as required

- Follow up / Ensure for credit approval from the concerned authority for files submitted across the Territory

- Ensuring strict adherence to service and quality benchmarks in all his branches.

- To manage effective Product & Process Improvement through constant process development. Also participate in TMW to ensure quality and standardization is maintained in the processes.

For customer satisfaction:

- Ensure to maintain monthly and quarterly reports and records

- To understand & carry out all the other responsibilities as per the instruction by the company.

- Ensure timely disbursals of Home Loans

- Attend to customer inquires / grievance on a timely basis, addressing customer grievances and finding solutions or escalating them as and when required.

- Meeting NPA customers to understand the reason for not paying and convince them to repay

For Employee engagement and Development :

- Spending quality time with the new joinees for proper handholding of responsibilities and understanding of the job.

- Review performance of Team Leaders and Customer Managers on regular basis

- Provide guidance and motivate team members to enhance their performance

- Train support staff on policies and procedures.

Decision Making Authority

- Where and how to allocate resources in order to make optimal utilization

- Recruiting staff

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