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Area Manager Micro Small Enterprise

Bengaluru, KA
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  • Banking & Finance
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Job Details

JOB SUMMARYMSE Loans is a growing business for Ujjivan. The Area Manager-MSE is the most important position that will drive this business in the respective area. The position is responsible for overall growth and success of the business in the cluster.Oversees the performance of the MSE portfolio of his/her area and branches in terms of growth (amount and client base) and productivity of program manager/loan officers/relationship officers by guiding them and carrying out constructive reviews of their performance.Exercises control and oversee recovery of loans in his/her area, carries out risk assessment and recovery strategies.Identifies suitable branches and locations for MSE Loans, in coordination with the branch, credit & product teams, and gets the locations activated. Ensures proper goal setting, resource planning, marketing and sourcing of MSE loans.Identifies legal and technical evaluators in the locations during expansion.Works closely with product and marketing team to drive suitable branding and marketing activities in his/ her respective area.PRIMARY RESPONSIBILITIESBusinessDaily/ Weekly /Monthly control monitoring of the accomplishment of targets (new customer acquisition, retention and enhancements of existing customers) according to the annual/monthly targets established for the area and branches under his/her responsibility to provide guidance and solutions to his/her team as and when requiredControls Assigns (?) targets and results on daily, weekly, monthly basis of portfolio of risk by different categories such as days in arrears, number of installment due, amount within his/her region by area, branch, loan officer with the objective to identify tendencies and risks.Supports Program Manager- in his/her area in their duties of client visits, risk assessment and recovery strategiesImplement, supervise and control effectiveness of commercial strategy with his/her team to reach the productivity and growth targets established.Approve deviations and exceptions according to policy in place. To the extent of?Ensure, supervise the correct implementation of the credit procedures including all the respective toolsCustomerEnsure customers are educated about all products/services offered by Ujjivan.Implement marketing strategy for the areaEnsure lower customer attrition by providing different products as per customer requirement.Focus on lower TAT as per laid down standards.Visit client and their operations place from time to time to pick up any EWSDrive the first line of collections (?)Internal ProcessEnsure compliance with lending guidelines, quality framework and audit requirementsEnsure speedy resolution of any audit observations and take necessary steps to prevent recurrence of the sameSanctioning of loans according to the policy in place.Ensure, supervise the correct implementation of the credit procedures including all the respective toolsDiscuss and suggest strategies and changes in terms of products, capacity building, procedures etc.Learning & PerformanceEnsure that all members of his team are up to date on all relevant circulars and all products/services offered in the BranchEnsure adherence to training man-days/ mandatory training programs for self and teamEnsure goal-setting, mid-year review and annual appraisal process within specified timelines for self and teamMonitor performance of staff against defined goals/metrics and take corrective action wherever required; undertake disciplinary and attendance monitoring of secured loans team.Evaluate the staff competencies and recommend suitable career changes based on business capability and credit risk assessment capacity and propose solutions for improvementRole RequirementsDesired Qualification Graduate in Commerce or related subjects and MBA/CA or equivalentDesired Experience 5 years in sales and documentation of loans of which at least 2 years in secured loans, business loans or loan against property in an NBFC/ Bank/HFC. Mixed experience of Sales + Credit is acceptable, but should be predominantly in sales.FUNCTIONAL KNOWLEDGE AND SKILLS(Knowledge and skills needed for satisfactory performance of the job)Ability to create teams and drive sales performance. Will be required to take complete ownership of MSE loan at sub-regional level.Ability to engage with customers, colleagues & agencies providing valuation and legal opinion. Plan & execute Marketing and Sales promotion for MSE Loan.ability to plan and coordinateTeam Leading Experience is highly preferredAbility to speak and read regional language(s)- is desirable. Ability to communicate in English (Read-speak-write) is required. Has good verbal fluency and uses simple, clear and purposeful language.Good Computer knowledge.Characteristics of Entrepreneurial Behavior Ability to plan, set goals, initiative, persistence, self-discipline, capacity to take risks, produce support networks and assess the marketEstablishes a friendly and professional relationship with the entire team;BEHAVIOURAL COMPETENCIESProduct knowledgeTraining SkillsWillingness to travel & relocation as per business requirements and career opportunitiesManaging customer relationsPerformance oriented
Degree: MBA/ PGDM

Additional Degree: B.Com. (Commerce)

Experience: 5-8


Finance/Budgeting | Financial Analysis | Loan/Mortgage
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