RL - Consumers:Geography Head - Branch

• Business Goals & Profitability
  • Responsible for driving the P&L of Personal Loans and Education Loans
  • Prepare the Geography sales budget and execute strategies that enable achieving the target
  • Prepare Monthly, Quarterly, and Annual sales forecasts and be responsible for the Zonal sales target along with the growth and profitability of the portfolio
• Audit, Compliance, and Risk Management
  • Ensure risk compliance through the completion of FCI and Internal Investigations observations, and repeat observations, ensuring timely and satisfactory closure.
  • Be responsible for the quality of the business portfolio by closely working with Risk and Credit teams and ensuring RAC Audits.

• Sales and Channel Development
  • Develop and enhance new and existing channels of sales, such as Direct Sales Agents, Connectors, AVC, and Branch.
  • Ensure Siddhi adoption and usage.
  • Ensure digital adoption (MLP) and scale up applications through digital journeys
  • Responsible for Cross sell and Vas products penetration.
  • Responsible of Resource activation.
  • DSA/ Connector enplanement and overall activation.
  • Responsible for Productivity of ASM.
  • Responsible for setting up right distribution span across geographies and segments.

• Customer Experience
  • Oversee a fulfilling customer journey leading to customer delight and making the Bank the partner of choice.
  • Increase customer retention and drive engagement across existing customers to improve Net Promoter Score, customer satisfaction.
  • Responsible for FTR for his territory.

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• Collaboration and People Priorities
  • Collaborate with cross-functional partners to drive business results
  • Control regrettable attrition across all grades to maintain a strong and motivated team
  • Drive various people agenda, including but not limited to, values, talent management, internal mobility, culture, learning and developments

Qualification:

• Graduation/post-graduation from a recognized institute
• 12+ sales experience (unsecured loans preferred) with at least 3-4 years in Personal loans

• Strong sales orientation
• Proficiency in managing complex client relationships, diverse stakeholders
• Capability to handle pressure and meet deadlines
• Skill in managing large, geographically spread team coaching and mentoring team members
• Competence in managing within a dynamic, priority-setting environment
• Strong risk and compliance mindset
• Adept at communication and interpersonal skills