Area manager - Vehicle Finance- Bangalore

Ujjivan Small Finance Bank; Bengaluru; Presencial; INR 1 800 000 - 2 400 000; Tempo integral

Resumo da oferta

Ujjivan Small Finance Bank Ltd. seeks an Area Manager for Vehicle Finance to lead a cluster and drive growth across locations. You will recruit and coach loan officers and cluster managers, align strategies with product and marketing teams, and ensure disciplined execution of lending guidelines.

The role demands 10–12 years in sales with 6–7 years in vehicle finance or related loans, strong leadership, and customer-dealer coordination across assigned areas in India.

Qualificações

• Graduate, preferably Post Graduation.
• 10-12 years in sales with 6-7 years in Vehicle Finance Loans or similar.
• Experience in a financial institution; mix of sales and credit acceptable, but sales-focused.

Responsabilidades

• Drive weekly/monthly targets for area and branches under responsibility.
• Identify dealers for business expansion; conduct market studies.
• Monitor portfolio health and growth; guide team performance with reviews.
• Ensure compliance with lending guidelines, quality framework and audits.

Conhecimentos

Team leadership

Sales strategy

Customer engagement

Communication

Credit knowledge

Travel readiness

Formação académica

Graduate, preferably Post Graduation

Descrição da oferta de emprego

6 - 7 Years

Permanent

Job Description

POSITIONDESCRIPTION

JOBTITLE

AreaManager-Vehicle Finance

GRADE

AVP-I

DEPARTMENT

VehicleFinance

LOCATION

AsAssigned

TYPEOF POSITION

Full-time

REPORTSTO

RegionalSales Manager-Vehicle Finance

REPORTINGINTO

ClusterManager –Vehicle Finance

ROLEPURPOSE & OBJECTIVE

VehicleFinance Loan is a growing business for Ujjivan SFB. The AreaManager- Vehicle Finance Loan is the most important position thatwill drive this business in the respective clusters. The positionis responsible for overall growth and success of the business inthe cluster.

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

Instigatea habit of doing business through alternate channels like branch,location level tie ups, understanding area wise profiles andbuild business around it.

Overseesthe performance of the VF 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

Evaluatingthe changes made in process/policy/systems and taking initiativeto properly communicate the change.

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

Incoordination with the Credit & Product teams, identifiessuitable branches and locations for Vehicle Finance business loanand gets the locations activated. Ensures proper goal setting,resource planning, marketing and sourcing of VF business

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

SIZEOF THE ROLE

FINANCIALSIZE

Costof hiring new Sales Managers

NON-FINANCIALSIZE

OperationalCost of managing the Conveyance and Claims of Sales Managers

Expectedto manage a portfolio of Rs.100 Cr. Progressively

Derivebusiness through alternate channels to the tune of 15% of theoverall volumes.

Managingone or more products across the locations assigned

Managinga team size of 5-8 SMs

KEYDUTIES & RESPONSIBILITIES OF THE ROLE

• Drive Weekly /Monthly accomplishment of targets according to theannual/monthly targets established for the area and branchesunder his/her responsibility by providing guidance and solutionsto his/her team as required
• Strategizefor the growth of the locations under him/her by identifyingdealers for business expansion by doing market study
• Understandchallenges in the assigned locations and suggest suitablesolutions to business team in the form of competitor analysis,policies & process improvements
• Efficient staffing by timely recruitment & training of SalesManagers
• Evaluationof new location in the area handled along with properjustification, industry briefing and health check up of thelocations.
• Drive productivity of Sales/Cluster Managers
• Appraisingon ground staff which are on zero productivity and get deep downinto discussion and possible solutions for them to be out of zeroproductivity.
• Approve deviations and exceptions according to policy in place.

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 auditand other regulations.

Monitorportfolio health by driving collection of 4MOB cases. Maintainbusiness hygiene by keeping the RC & PDD pendency withinallowed limits

Focuson income generation through collection of charges levied oncustomers.

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

Learning& Performance

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

Evaluate the staff competences in terms of promotion, businessassessment and credit risk assessment capacity and proposesolutions for improvement

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 SMs against defined goals/metrics and takecorrective action wherever required

MINIMUMREQUIREMENTS OF KNOWLEDGE & SKILLS

Educational

Qualifications

Graduate,preferably Post Graduation

Experience

10-12years in sales and documentation of loans of which at least 6-7years in Vehicle Finance Loans, home loans or loan againstproperty in a Financial Institute. Mixed experience of Sales +Credit is acceptable, but should be predominantly in sales.

FunctionalSkills

• Abilityto create teams and drive sales performance. Will be required totake complete ownership of Vehicle Finance Loan at sub-regionallevel.
• Abilityto engage with customers & dealers, colleagues & agenciesproviding valuation and legal opinion. Plan & executeMarketing and Sales promotion for Vehicle Finance Loan
• 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 good verbal fluency and uses simple, clear and purposefullanguage.
• 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

• Leadershipskills
• 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