Area Manager-Semi Formal LAP

Ujjivan Small Finance Bank; Nagpur District; Presencial; INR 1.200.000 - 1.800.000; Jornada completa

Descripción de la vacante

Ujjivan Small Finance Bank Ltd. seeks an Area Manager-MSME to drive growth across the cluster. Lead a team of loan officers and cluster managers, monitor portfolio health, and guide risk assessment and recovery strategies in coordination with product and marketing teams.

The role focuses on achieving 40–60 lakh monthly business per area, building capacity, and ensuring compliance with lending guidelines. Travel within the cluster is required to support expansion and brand building.

Formación

• Graduate with a postgraduate degree preferred.
• 5 years in sales and loan documentation, with at least 2 years in MSE/Home loan or loan against property in NBFC/Bank/HFC/CA firms/outsource companies.
• Functional ability to lead teams, drive sales, and own MSE loan initiatives at sub‑regional level.

Responsabilidades

• Monitor daily, weekly, and monthly targets for area and branches; guide the team to meet them.
• Set and review portfolio risk targets by area, branch, and loan officer; identify trends and risks.
• Support cluster managers and field staff in client visits, risk assessment, and recovery strategies.
• Ensure efficient staffing, recruitment, and training to sustain productivity.
• Implement and supervise commercial strategies to achieve growth targets; enforce policy deviations control.
• Educate customers about all products/services offered; reduce attrition by meeting customer needs.
• Ensure compliance with lending guidelines, quality framework, and audit requirements; resolve audit findings promptly.
• Oversee portfolio health, sanctioning, and adherence to credit procedures; discuss product strategies and capacity building.
• Train and develop staff; ensure timely promotions, appraisals, and performance reviews.

Conocimientos

Team leadership

Sales

Credit knowledge

Customer service

Risk assessment

Marketing

Recruitment & training

Coaching

Educación

Graduate, preferably Post Graduation

Descripción del empleo

MSMELoan is a growing business for Ujjivan. The Area Manager-MSME 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 40 – 60 lacs from each SM

ManageTeam of 4 – 8 Sales Managers

Managemapped Portfolio of around 50 – 100 Crs.

MaintainTarget Collection efficiency in allocated pool

KEYDUTIES & RESPONSIBILITIES OF THE ROLE

Business

Daily,Weekly and Monthly monitoring of the accomplishment of targetsaccording to the annual and monthly targets established for thearea and branches under his or her responsibility to provideguidance and solutions to his or 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 or her region by area,branch, loan officer with the objective to identify tendenciesand risks.

SupportsCluster Manager- in his or 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 and 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