Cluster Business Manager - (Secured) LAP - Agra

Hiranandani Financial Services; Agra District; On-site; INR 1,500,000 - 2,100,000; Full time

Job summary

Hiranandani Financial Services is seeking an experienced regional leader to manage Secured Business Loans/LAP for a defined cluster in Uttar Pradesh. You will lead the Area Business Manager and Branch Sales Managers, guiding plans for each location and ensuring monthly revenue targets are met.

The role emphasizes profitability, cross-sell and processing fee streams, network expansion, and compliant operations.

Qualifications

• 10+ years of experience in Secured Business Loans/LAP.
• Local candidates with local geography knowledge preferred.

Responsibilities

• Manage Secured Business Loans/LAP for given cluster by leading Area Business Manager, Branch Sales Managers.
• Provide guidance to the team to formulate and drive plans for their locations.
• Ensure monthly revenue targets for the cluster.
• Ensure revenue targets from all sources (fees, cross-selling) are met per area matrix.
• Maintain profitability targets for all products in the assigned area.
• Maintain branch profitability (Fee Income >= Branch Cost) per branch score card.
• Identify potential markets and initiate branch network expansion.
• Develop strategies to explore new avenues and launch new products after consulting business heads.
• Develop sales, distribution and disbursement strategy for the region.
• Review cases to understand customer profile and conduct PD for sourcing.
• Guide team on compliance and regulatory requirements.

Skills

Secured Business Loans/LAP

Local geography knowledge

Job description

Role & responsibilities:

• Manage Secured Business Loans/LAP for given cluster by leading the Area Business Manager, Branch Sales Managers.
• To provide guidance and facilitation to the team to formulate and drive plans for their respective locations.
• Ensure that overall revenue targets for the cluster are met every month.
• Ensure that overall revenue targets are achieved as per approved matrix for the area from all revenue sources (processing fees, cross-selling etc.).
• Ensure profitability targets are met for all products in the assigned area.
• Ensure branch profitability is maintained (Fee Income >= Branch Cost) which can be measured as per the branch score card.
• By identifying the potential market, initiate branch network expansion through network planning.
• Develop new strategies to scan the market for potential new avenues and generate revenue from untapped markets; Launch new products to generate new business after consultation with respective business heads.
• Develop sales, distribution and disbursement strategy for the region.
• Ensure review of all cases in assigned area to understand customer profile and conduct Sales Personal Discussion (PD) to ensure correct sourcing.
• Follow and guide the team on required compliance and regulatory requirements.

Preferred candidate profile:

• 10+ years of experience in Secured Business Loans/LAP.
• Preference will be given to local candidates with local geography knowledge.