Regional Business Manager-MSME - WEST

Ujjivan Small Finance Bank Ltd.; Maharashtra; On-site; INR 1,500,000 - 2,300,000; Full time

Job summary

Ujjivan Small Finance Bank Ltd. in India seeks a Regional Business Manager (VP-I) for MSME at the Regional Office. You will lead the regional loan portfolio, drive growth, and supervise multi-layer teams to meet monthly and yearly targets while ensuring compliance with procedures.

The role requires a postgraduate in business/finance and 8–12 years in financial services, including 5 years leading large teams; travel willingness and strong MS Office skills are essential for success.

Qualifications

• Post graduate in Business Administration, Finance or relevant post-graduation.
• 8–12 years’ experience in a financial institution, with last 5 years in handling large team.
• Willingness to travel across locations.
• Strong leadership, team management and analytical abilities.

Responsibilities

• Oversees regional loan portfolio performance by area and branch in terms of growth and productivity.
• Monitors slippages and implements corrective actions.
• Develops region-specific objectives and strategies to grow housing loans business.
• Drives annual regional budgets and ensures timely implementation.
• Tracks portfolio growth, profitability, market share and yields.
• Ensures marketing activities to build the brand and cross-sell products.

Skills

Sales & Marketing

Liabilities products

Travel willingness

MS Office

Team leadership

Analytical skills

Education

MBA/PG in Finance

8-12 years in financial services

Tools

MS Office Suite

Job description

Job Title

Regional Business Manager

Grade

VP-I

Department

MSME

Location

Regional Office

Business Vertical

Type of Position

Full-time

Reports To

Business Head

Reporting Into

Area Managers

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 team’s 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.

Financial Size

Non-Financial Size

Drive Average Monthly Business of 300 – 750 lacs from each Area Manager

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)

Manage mapped Portfolio of around 275 – 750 crs.

Maintain Target Portfolio Yield

Manage the Target P&L

Maintain Target Collection efficiency in allocated pool

Key Duties & Responsibilities of the Role

Business

• Oversees the performance of the loan’s 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 or relevant post-graduation

Experience

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

Certifications

• NA

Functional Skills

• Sales and Marketing skills


• Knowledge on liabilities and other products


• Willingness to travel across locations


• Sound knowledge of MS office


• Team handling skills


• Analytical and Interpretation skill

Behavioral Skills

• Problem solving


• Communication


• Performance orientation

Competencies Required

• Leadership


• Consensus building


• Conflict Management


• Decision Making


• KEY INTERACTIONS

Internal

External

• Product and marketing team


• Legal & technical team


• Regional & National Ops, Credit, collection


• External marketing agency


• Audit, Vigilance, Admin & FCU team


• Govt authorities


• Lead Banks


• State Level Bankers Committees


• Branch Banking Team
  
• State Govt Agencies/ Panchayats

Prepared By

MSE Team

Date

13-07-2022

Reviewed By

Ashim Sarkar

Date

05-01-2024

Last Updated By

TM Team

Date

14-01-2024