Regional Business Manager-MSME - WEST

Ujjivan Small Finance Bank Ltd.; India; On-site; INR 2,500,000 - 4,500,000; Full time

Job summary

Darwinbox Digital Solutions Pvt. Ltd. in India seeks a Senior Portfolio Manager to oversee the loan portfolio regionally, drive growth, and ensure adherence to policies and procedures.

You will lead a team of Area Managers and Sales Managers, coordinate with Product, Credit, Operations, IT and HR, and be responsible for budgeting, P&L, and achieving monthly and yearly targets. The role emphasizes leadership, strategic planning, risk controls, and cross-functional collaboration to expand market

Qualifications

• Postgraduate in Business Administration, Finance or relevant post-graduation.
• 8 to 12 years’ experience in any financial institution, with last 5 years in handling large team.

Responsibilities

• Oversees the performance of the loan portfolio in the region by area and branch in terms of growth and productivity.
• Monitor for slippages and suggest alternate measures as required.
• Developing objectives and strategies for the region to set up Housing Loans Business.
• Developing annual budgets for the region and ensuring implementation as approved.
• Track the portfolio for growth and profitability (Numbers and Yield).
• Aim to improve market share by acquiring new customers and cross-sell opportunities.
• Ensure marketing activities to build the brand and generate leads for cross-sell of liabilities and third-party products.

Skills

Sales & Marketing

Liabilities knowledge

Travel willingness

MS Office

Analytics

Education

Postgraduate in Business Administration/Finance

Tools

MS Office

Job description

Theincumbent is responsible for the overall performance of theportfolio in his/her region in terms of results and targets setas well as for the correct implementing of the establishedoperational procedure of the Product program, encouraging andsupervising the team’s productivity, thus achieving thepre-established monthly and yearly goals. Regular and continuouscoordination and communication with other departments such asproduct, credit, operations, IT & HR are fundamental toensure compliance with results, policies and norms established aswell as the development and adjustments of products, marketingstrategies, procedures and reporting tools.

SIZEOF THE ROLE

FINANCIALSIZE

NON-FINANCIALSIZE

• DriveAverage Monthly Business of 300 – 750 lacs from each AreaManager
• ManageTeam of 4 – 8 Area Managers, Each AM will have Team of 4 –8 SMs. So Overall Team size of 25 – 60 people (Direct +indirect)
• Managemapped Portfolio of around 275 – 750 crs.
• Managethe Target P&L
• MaintainTarget Collection efficiency in allocated pool

KEYDUTIES & RESPONSIBILITIES OF THE ROLE

Business

• Overseesthe performance of the loan’s portfolio of his/her regionby area and branch in terms of growth (amount and client base)and productivity (loans disbursed per month)
• Monitorfor slippages and suggest alternate measures as required
• Developingobjectives and strategies for the region that are required to setup Housing Loans Business
• Developingannual budgets for the region and ensuring that the same isimplemented as approved
• Trackthe portfolio for growth & profitability (Numbers &Yield)
• Targetto improve market share by New customer acquisition
• Ensureadequate marketing activities to build a Brand
• Ensureadequate number of leads for cross sell of liability and/ orThird Party Products

Customer

• Ensurecustomers are educated about all products/services offered byUjjivan.
• Ensurelower customer attrition by providing different products as percustomer requirement
• Resolvingconflicts and negotiating with others by handling complaints,settling disputes and resolving grievances maintain/improve SQlevel
• Portfolioretention and cross sell & up sell product to the existingcustomers
• Adequatecontact and monitoring of performance for Legal / Technicalvendors

Internalprocess

• Track& Maintain the portfolio health – Quality underwriting& efficient collection management
• Ensurecompliance with lending guidelines, quality framework and auditrequirements; ensure speedy resolution of any audit observationsand take necessary steps to prevent recurrence audit and otherregulations.

Learning& Performance

• Ensurethat all members of his team are up to date on all relevantcirculars and all products/services offered in the Branch
• Ensureadherence to training man-days/ mandatory training programs forself and reportees
• Developingand building teams by building and nurturing mutual trust,respect and imparting trainings for their capability building
• Ensuregoal-setting, mid-year review and annual appraisal process withinspecified timelines for self and reportees
• Manageattrition of the team by implementing required retention measures

MINIMUMREQUIREMENTS OF KNOWLEDGE & SKILLS

Educational

Qualifications

• PostGraduate in Business Administration, Finance or relevantpost-graduation

Experience

• 8 to 12 years’ experience in anyfinancial institution, with last 5 years in handling large team

Certifications

• NA

FunctionalSkills

• Salesand Marketing skills
• Knowledgeon liabilities and other products
• Willingnessto travel across locations
• Soundknowledge of MS office
• Analyticaland Interpretation skill

BehavioralSkills

• Problemsolving
• Communication
• Performanceorientation
• Leadership
• Consensusbuilding
• ConflictManagement
• DecisionMaking

KEYINTERACTIONS

INTERNAL

• Productand marketing team
• Legal& technical team
• Regional& National Ops, Credit, collection

EXTERNAL