AU Small Finance Bank - Regional Business Manager - Refinance Sales

Company Overview:

AU Small Finance Bank is a leading scheduled commercial bank in India, transforming the retail banking landscape through a customer-centric approach. Originally established as a vehicle finance company, the bank has evolved into a full-service financial institution, offering a comprehensive suite of banking products including savings accounts, deposits, and diverse loan portfolios. With a robust presence across India, AU Bank combines the agility of a fintech with the stability of a traditional bank, focusing on empowering the underbanked and retail segments through innovative digital and physical touchpoints.

Role Overview:

As the Regional Business Manager for Refinance Sales in Jaipur, you will spearhead the growth and profitability of the refinance portfolio across the region. This role involves managing a high-performing sales team, driving business development initiatives, and ensuring the seamless execution of sales strategies to meet aggressive regional targets. You will act as a key liaison between the regional sales force and senior leadership, ensuring that portfolio quality remains high while identifying new market opportunities to expand the bank's footprint in the refinance sector.

Key Responsibilities:

• Formulate and execute comprehensive sales strategies to drive refinance business growth, ensuring alignment with the bank's regional revenue objectives.
• Lead and mentor a diverse team of sales professionals, fostering a culture of high performance and accountability to achieve consistent monthly and quarterly targets.
• Manage the end-to-end portfolio lifecycle, focusing on asset quality, risk mitigation, and the timely resolution of portfolio-related challenges.
• Drive business development efforts by identifying potential market segments and building strong relationships with key stakeholders and channel partners.
• Conduct detailed sales planning and performance analysis to optimize resource allocation and improve regional market penetration.
• Collaborate with cross-functional teams, including credit and operations, to streamline the loan disbursement process and enhance the overall customer experience.
• Monitor market trends and competitor activities in the refinance space to proactively adjust strategies and maintain a competitive edge.

Required Skillset:

• Proven ability to lead large sales teams and drive performance in a high-pressure, target-oriented banking environment.
• Deep functional expertise in refinance products, portfolio management, and credit assessment processes within the retail or commercial banking sector.
• Exceptional communication and interpersonal skills, with the ability to influence stakeholders and build long-term relationships with clients and partners.
• Strong analytical mindset, capable of translating complex market data into actionable sales strategies and operational plans.
• Demonstrated success in business development, with a track record of expanding market share and managing regional P&L responsibilities.
• Ability to thrive in an on-site work environment, maintaining a hands-on approach to team management and market engagement in Jaipur.
• A minimum of 10 to 15 years of relevant experience in the banking or financial services industry, preferably within the refinance or vehicle finance domain.