Â·To drive sales and ensure business targets are achieved for the assigned area
Branch Process Management
oExecute the defined strategy to achieve the defined performance of the branch.
oCreate a demand funnel and efficiently meet sales forecasts by maintaining a good relationship with clients
oManage growth and profitability of the branch by maintaining competitive knowledge so as to create and adjust sales strategies
oExpand 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.
oBuild and develop a defined source mix comprising of direct and indirect sourcing channels.
oCapitalize on business opportunities, builder tie ups, and plan and monitor joint promotional activities with developers.
oFacilitate the development of new locations as per targets so as to penetrate new markets and thereby increase business
oEnsure 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.
oManage post-sales customer/channel partner escalation.
oCo-ordinate and supervise all key departments internally and strategies the road map for lending products.
oManaging branch operating costs including cost of acquisition, expenses and operations.
oClosely monitors the quality of book ensuring minimum delinquency at the branch level.
oTo support the appropriate closure of stress accounts and move them out of the portfolio by collaborating with collections team.
oOptimize 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
oCollaborate effectively with departments including Channel partners.
oLead and supervise the SM & RM team by support through appropriate hiring, training, reward and recognition.
oResponsible for the overall administrative functioning of the branch.
oEnsure active distribution span of control is maintained at the branch level as per norms.
Industry & Governance
oConstantly keep abreast of market trends and competitor intelligence so as to build and develop effective sales and marketing strategies
oAbility to establish internal controls for legal compliance and conduct periodic audits to detect non-compliance & frauds and devise actions for correction and prevention.
oEnsure 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.
oEnsure compliance to all Audit / NHB regulations as well as policies and procedures of the company.