· To drive sales and ensure business targets are achieved for the assigned area
Branch Process Management
o Execute the defined strategy to achieve the defined performance of the branch.
o Create a demand funnel and efficiently meet sales forecasts by maintaining a good relationship with clients
o Manage growth and profitability of the branch by maintaining competitive knowledge so as to create and adjust sales strategies
o Expand and retain the company's base of customers for affordable home loans by developing and maintaining strong liaisons with the clients/channel partners for repeat business or referrals while also ensuring they are part of our future projects.
o Build and develop a defined source mix comprising of direct and indirect sourcing channels.
o Capitalize on business opportunities, builder tie ups, and plan and monitor joint promotional activities with developers.
o Facilitate the development of new locations as per targets so as to penetrate new markets and thereby increase business
o Ensure smooth functioning of the lending process at the various stages such as inquiry, application, verification, pre-sanction processing of loan, sanction, post-sanction documentation, disbursement of loan, collection, new and existing customer service.
o Co-ordinate and supervise all key departments internally and strategies the road map for lending products.
o Managing branch operating costs including cost of acquisition, expenses and operations.
o Closely monitors the quality of book ensuring minimum delinquency at the branch level.
o To support the appropriate closure of stress accounts and move them out of the portfolio by collaborating with collections team.
o Optimize and closely monitor team productivity by effectively managing the team of sales managers so as to assure achievement of business targets and profitability of the area
o Collaborate effectively with departments including Channel partners.
o Lead and supervise the SM & RM team by support through appropriate hiring, training, reward and recognition.
o Responsible for the overall administrative functioning of the branch.
o Ensure active distribution span of control is maintained at the branch level as per norms.
Industry & Governance
o Constantly keep abreast of market trends and competitor intelligence so as to build and develop effective sales and marketing strategies
o Ability to establish internal controls for legal compliance and conduct periodic audits to detect non-compliance & frauds and devise actions for correction and prevention.
o Ensure a strong understanding of the markets / competition / process and products available in the markets and provide positive feedback to the central product and policy team to stay ahead in the market.
o Ensure compliance to all Audit / NHB regulations as well as policies and procedures of the company.
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