Area Manager-Formal LAP

Ujjivan Small Finance Bank; Thane; Presencial; INR 1.500.000 - 2.600.000; Jornada completa

Descripción de la vacante

Ujjivan Small Finance Bank Ltd. is seeking an Area Manager-MSE to drive loan growth and manage a cluster of loan officers and sales managers in the Maharashtra region. You will oversee performance across branches, guide risk assessment, and coordinate with product and marketing to activate new locations.

Strong leadership and sales background required. The role involves target setting, staffing, and ensuring compliance with credit procedures while focusing on portfolio health and customer

Formación

• Graduate, preferably Post Graduation.
• 5 years in sales and documentation of loans, of which at least 2 years in MSE loans, home loans or loan against property in NBFC/bank/HFC/CA firms/outsourcing agencies.
• Mixed experience of Sales + Credit is acceptable but should be predominantly in sales.

Responsabilidades

• Daily/weekly/monthly monitoring of targets established for the area and branches to guide the team.
• Assign targets and results on daily/weekly/monthly basis of risk portfolio by categories like days in arrears and installments due.
• Support Cluster Manager with client visits, risk assessment and recovery strategies.
• Ensure staffing through timely recruitment and training.
• Implement and supervise commercial strategy to reach productivity and growth targets.
• Ensure compliance with lending guidelines and audit requirements.

Conocimientos

Team leadership

Sales performance

English communication

Regional language knowledge

Computer skills

Interpersonal skills

Willingness to travel

Entrepreneurial mindset

Educación

Graduate or Post Graduation

Descripción del empleo

ROLEPURPOSE & OBJECTIVE

MSELoan is a growing business for Ujjivan. The Area Manager-MSE isthe most important position that will drive this business in therespective cluster. The position is responsible for overallgrowth and success of the business in the cluster.

Builtefficient team of Loan officers and cluster Managers in theArea/cluster assigned

Overseesthe performance of the portfolio of his/her region by area andbranch in terms of growth (amount and client base) andproductivity of cluster manager/loan officers by guiding them andcarrying out constructive reviews of their performance

Overallresponsible for the control and recovery of loans in his/herregion, risk assessment and recovery strategies.

Incoordination with the branch, credit & product teams,identifies suitable branches and locations for MSE loan and getsthe locations activated. Ensures proper goal setting, resourceplanning, marketing and sourcing of business. Identifying legaland technical evaluators in the locations during expansion.

Workclosely with product and marketing team to drive suitablebranding and marketing activities in his/her respective cluster.

SIZEOF THE ROLE

FINANCIALSIZE

NON-FINANCIALSIZE

DriveAverage Monthly Business of 60 – 125 lacs from each SM

ManageTeam of 4 – 8 Sales Managers

Managemapped Portfolio of around 75 – 200 crs.

MaintainTarget Collection efficiency in allocated pool

KEYDUTIES & RESPONSIBILITIES OF THE ROLE

Business

Daily/Weekly /Monthly monitoring of the accomplishment of targetsaccording to the annual/monthly targets established for the areaand branches under his/her responsibility to provide guidance andsolutions to his/her team as required

Assigntargets and results on daily, weekly, monthly basis of portfolioof risk by different categories such as days in arrears, numberof installment due, amount within his/her region by area, branch,loan officer with the objective to identify tendencies and risks.

SupportsCluster Manager- in his/her area in their duties of clientvisits, risk assessment and recovery strategies

Efficientstaffing by timely recruitment & training

Implement,supervise and control effectiveness of commercial strategy withhis/her team to reach the productivity and growth targetsestablished.

Approvedeviations and exceptions according to policy in place.

Ensure,supervise the correct implementation of the credit proceduresincluding all the respective tools

Customer

Ensurecustomers are educated about all products/services offered byUjjivan.

Ensurelower customer attrition by providing different products as percustomer requirement.

Focuson lower TAT as per laid down standards.

Internalprocess

Ensurecompliance with lending guidelines, quality framework and auditrequirements; ensure speedy resolution of any audit observationsand take necessary steps to prevent recurrence audit and otherregulations.

Monitorhealth of portfolio

Sanctioningof loans according to the policy in place.

Ensure,supervise the correct implementation of the credit proceduresincluding all the respective tools

Discussstrategies and changes in terms of products, capacity building,procedures etc.

Learning& Performance

Ensurethat all members of his team are up to date on all relevantcirculars and all products/services offered in the Branch

Evaluatethe staff competences in terms of promotion, business assessmentand credit risk assessment capacity and propose solutions forimprovement

Ensureadherence to training man-days/ mandatory training programs forself and reportees

Ensuregoal-setting, mid-year review and annual appraisal process withinspecified timelines for self and reportees

Monitorperformance of staff against defined goals/metrics and takecorrective action wherever required; undertake disciplinary andattendance monitoring of the team.

MINIMUMREQUIREMENTS OF KNOWLEDGE & SKILLS

Educational

Qualifications

Graduate,preferably Post Graduation

Experience

5years in sales and documentation of loans of which at least 2years in MSE Loans, home loans or loan against property in anNBFC/ Bank/HFC/ CA firms/ Outsourcing Agencies. Mixed experienceof Sales + Credit is acceptable, but should be predominantly insales.

FunctionalSkills

Abilityto create teams and drive sales performance. Will be required totake complete ownership of MSE Loan at sub-regional level.

Abilityto engage with customers, colleagues & agencies providingvaluation and legal opinion. Plan & execute Marketing andSales promotion for MSE

Abilityto plan and coordinate

TeamLeading Experience is highly preferred

Abilityto speak and read regional language(s)- is desirable. Ability tocommunicate in English (Read-speak-write) is required. Has goodverbal fluency and uses simple, clear and purposeful language.

GoodComputer knowledge.

Characteristicsof Entrepreneurial Behavior – Ability to plan, set goals,initiative, persistence, self-discipline, capacity to take risks,produce support networks and assess the market

Establishesa friendly and professional relationship with the entire team

BehavioralSkills

TrainingSkills

Interpersonalskills – ability to handle various types of mindsets andget desired output for meeting bank’s goal

Willingnessto travel & relocation as per business requirements andcareer opportunities