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Job Id: 648
Job Title: Loan Against Property - Chennai
Industry: Banking, Financial Servcies & Insurance
Functional Area: Sales / Business Development / Client Servicing
Salary: 14 Lac - 18 Lac
Job Location: Chennai
About the Client

Bank is is a Mumbai based Indian new generation bank, established in 1994. The bank offers commercial, transactional and electronic banking products and services.

It has 800 branches, and 1500 ATMs as of April 2016

Job Description

Product : Secured SME lending / Loan Against Property
Location : Chennai
Team handling - Yes

Purpose of Job (in brief )
•Drive Sales of Secured SME Loans and Loan against Property for the branch & keep control on portfolio of the branch from becoming delinquent.

Responsibility (in details)

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 andlaunching 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.
* Knowledge & Skills Required.

Desired Candidate Profile


Lending experience in sales- Mortgage/LAP
Should have handled Mortgage/LAP sales for South region or covered states: Tamil Nadu/Kerala
Should have handled team
Aggressive, individual/team player

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