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Job Id: 326
Job Title: Branch Business Manager - Delhi
Industry: Banking, Financial Servcies & Insurance
Functional Area: Sales / Business Development
Salary: 12 Lac - 13 Lac
Job Location: Delhi / NCR
About the Client

The company is India's Leading Non Banking Finance Company (NBFC) operating in Wholesale & SME Lending.

As part of the business activities,the company is predominantly focused into Asset Financing and Lending business. The Wholesale Lending Business segment provides specialized and holistic solutions to Indian corporates helping them build and grow their businesses with initial funding, mezzanine financing, acquisition financing etc. They focus on products in the structured credit space backed by adequate collaterals and cash flows to build a secured and quality wholesale lending portfolio.

Job Description

Role: Branch Business Head

Grade: Sr. Manager

Product/Sub Function: Secured SME lending / Loan Against Property

Job Role:

1. Sales & Distribution
* Achieve the Business target for the region / area
* Build and manage distribution mix through sourcing channels, Alternate channels to achieve the required channel and product mix
* Grow the existing channels and develop alternate sourcing channels, Tele-Sales channels and referral channel to meet the current and future business projections
* Manage profitability – Productivity, Yield and acquisition cost within the budgeted levels
* Achieve the budgeted cross sell targets
2. Collections
* Be the owner of Collections for the accounts for the location handled
* Management and presentation of Collection management information systems (MIS) and regular performance reviews
* Handle through the sales team members, the on ground collection.
* Manage delinquency related parameters and ensuring are within triggers.
3. People Management & Performance Management
* Identification, hiring , training and retention of the desired sales staff at regional & area levels
* Implement the performance management system and culture as per the objective of the organization
* Implementing the monitoring mechanism and MIS to ensure that each parameter of KPI is constantly measured, reported, analyzed and improved
* Act as a constant source of feedback to product and policy teams to aid in innovating the current product offering and launching new products
* Monitor – Volumes, Productivity, COA, Yield, Cross Sell penetration, NCL, 0-6 MOB delinquency, Service Quality, Product Mix, Channel Mix, Segment Mix, Sanction Rate and Disbursal Rate.
4. Governance & Compliance
* Implement processes as per policy.
* Educate and train the team members on the policy requirement
* Ensure and check that policies and standards are being implemented at the ground level
* Ensure that the recommended process of appointment, management and review of the DSA’s and DSTs is being followed.
* Implementing the Fraud Control systems
* Ensure that region / area is always Audit Ready and Complaint with internal and external policies and regulations
5. Customer Service
* Create a customer centric culture
* Implement, measure, monitor and control parameters that improve customer experience

Desired Candidate Profile
  • Should be able to manage sales & collection function of the branch
  • Should have Exposure of Property backed & Asset based lending products
  • Should have knowledge about local industrial trend /Machineries
  • Basic knowledge of Legal aspect of the recovery unit
  • Should have corporate sales exposure
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