Regional Business Manager-MSME - North

Ujjivan Small Finance Bank Ltd.; Dadri, New Delhi; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Ujjivan Small Finance Bank Ltd. is seeking a Regional Business Manager-LAP (MSME) to drive regional portfolio growth, manage a large team, and execute housing loan strategies.

You will coordinate with product, credit, operations, IT and HR to ensure compliant, profitable results and strong market presence across assigned areas. The role requires post graduate qualifications in business administration or finance, and a proven track record in regional lending, team leadership and achieving monthly

Qualifications

• Post graduate qualification in business administration or finance.

Responsibilities

• Oversee regional loans portfolio growth and productivity across branches.
• Monitor slippages and suggest corrective actions.
• Develop regional objectives and strategies for housing loans business.
• Prepare and implement annual regional budgets as approved.
• Track portfolio profitability and market share through new customer acquisition.
• Coordinate marketing activities to build brand and drive leads for cross-sell.
• Ensure education of customers on all products and maintain low attrition.

Education

Post Graduate in Business Administration, Finance

Job description

Job Title

Regional Business Manager-LAP (MSME)

Location

Regional Office

Role Purpose / Objective

The incumbent is responsible for the overall performance of the portfolio in his/her region in terms of results and targets set as well as for the correct implementing of the established operational procedure of the Product program, encouraging and supervising the teams productivity, thus achieving the pre-established monthly and yearly goals. Regular and continuous coordination and communication with other departments such as product, credit, operations, IT HR are fundamental to ensure compliance with results, policies and norms established as well as the development and adjustments of products, marketing strategies, procedures and reporting tools.

Size of the Role Financial Size

• Drive Average Monthly Business of 300- 750 lacs from each Area Manager
• Manage mapped Portfolio of around PHONE_NUMBER crs.
• Manage Target PL

Non-Financial Size

• Manage Team of 4 8 Area Managers, Each AM will have Team of 4 8 SMs. So Overall Team size of 25 60 people (Direct + indirect)
• Maintain Target Portfolio Yield
• Maintain Target Collection efficiency in allocated pool

Key Duties / Responsibilities of the Role Business

• Oversees the performance of the loans portfolio of his/her region by area and branch in terms of growth (amount and client base) and productivity (loans disbursed per month)
• Monitor for slippages and suggest alternate measures as required
• Developing objectives and strategies for the region that are required to set up Housing Loans Business
• Developing annual budgets for the region and ensuring that the same is implemented as approved
• Track the portfolio for growth profitability (Numbers Yield)
• Target to improve market share by New customer acquisition
• Ensure adequate marketing activities to build a Brand
• Ensure adequate number of leads for cross sell of liability and/ or Third Party Products

Customer

• Ensure customers are educated about all products/services offered by Ujjivan.
• Ensure lower customer attrition by providing different products as per customer requirement
• Resolving conflicts and negotiating with others by handling complaints, settling disputes and resolving grievances maintain/improve SQ level
• Portfolio retention and cross sell up sell product to the existing customers
• Adequate contact and monitoring of performance for Legal / Technical vendors

Internal process

• Track Maintain the portfolio health Quality underwriting efficient collection management
• Ensure compliance with lending guidelines, quality framework and audit requirements; ensure speedy resolution of any audit observations and take necessary steps to prevent recurrence audit and other regulations.

Learning Performance

• Ensure that all members of his team are up to date on all relevant circulars and all products/services offered in the Branch
• Ensure adherence to training man-days/ mandatory training programs for self and reportees
• Developing and building teams by building and nurturing mutual trust, respect and imparting trainings for their capability building
• Ensure goal-setting, mid-year review and annual appraisal process within specified timelines for self and reportees
• Manage attrition of the team by implementing required retention measures

Minimum Requirements of Knowledge Skills Educational Qualifications

• Post Graduate in Business Administration, Finance

Type of Position

Full-time