Area Manager - Housing Loans

ROLEPURPOSE & OBJECTIVE

• HousingLoan is a growing business for Ujjivan. The Area Manager-HousingLoan is the most important position that will drive this businessin the respective cluster. The position is responsible foroverall growth and success of the business in the cluster.
• Builtefficient team of Loan officers and cluster Managers in theArea/cluster assigned
• Overseesthe performance of the HL 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
• Overallresponsible for the control and recovery of loans in his/herregion, risk assessment and recovery strategies.
• Incoordination with the branch, credit & product teams,identifies suitable branches and locations for Housing businessloan and gets the locations activated. Ensures proper goalsetting, resource planning, marketing and sourcing of HLbusiness. Identifying legal and technical evaluators in thelocations during expansion.
• Workclosely with product and marketing team to drive suitablebranding and marketing activities in his/her respective cluster.
• Effictivlyhandly DSA Chanl contcores.

NON-FINANCIALSIZE

Willbe responsible to handle the geography of at least 3-4 clusterswith a portfolio size of ?100 ?150 Crore

Willbe responsible to handle a team of 4 5 cluster managerswith an indirect reporting of 15 30 Loanofficers/relationship managers

KEYDUTIES & RESPONSIBILITIES OF THE ROLE

Business

• Daily/Weekly /Monthly monitoring of the accomplishment of targetsaccording to the annual/monthly targets established for the areaand branches under his/her responsibility to provide guidance andsolutions to his/her team as required
• Assigntargets and results on daily, weekly, monthly basis of portfolioof risk by different categories such as days in arrears, numberof installment due, amount within his/her region by area, branch,loan officer with the objective to identify tendencies and risks.
• SupportsCluster Manager- in his/her area in their duties of clientvisits, risk assessment and recovery strategies
• Efficientstaffing by timely recruitment & training
• Implement,supervise and control effectiveness of commercial strategy withhis/her team to reach the productivity and growth targetsestablished.
• Approvedeviations and exceptions according to policy in place.
• Ensure,supervise the correct implementation of the credit proceduresincluding all the respective tools

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 audit and otherregulations.
• Monitorhealth of portfolio
• Sanctioningof loans according to the policy in place.
• Ensure,supervise the correct implementation of the credit proceduresincluding all the respective tools
• Discussstrategies and changes in terms of products, capacity building,procedures etc.

Learning& Performance

• Ensurethat all members of his team are up to date on all relevantcirculars and all products/services offered in the Branch
• Evaluatethe staff competences in terms of promotion, business assessmentand credit risk assessment capacity and propose solutions forimprovement
• 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 staff against defined goals/metrics and takecorrective action wherever required; undertake disciplinary andattendance monitoring of Housing Loans team.

Educational

Qualifications

• Graduate,preferably Post Graduation

Experience

• 8-13 yearsin sales and documentation of loans of which at least 4 years inHousing Loans, home loans or loan against property in an NBFC/Bank/HFC/ CA firms/ Outsourcing Agencies. Mixed experience ofSales + Credit is acceptable, but should be predominantly insales.

FunctionalSkills

• Abilityto create teams and drive sales performance. Will be required totake complete ownership of Housing Loan at sub-regional level.
• Abilityto engage with customers, colleagues & agencies providingvaluation and legal opinion. Plan & execute Marketing andSales promotion for Housing 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 goodverbal fluency and uses simple, clear and purposeful language.
• 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

• TrainingSkills
• Interpersonalskills ability to handle various types of mindsets andget desired output for meeting banks goal
• Willingnessto travel & relocation as per business requirements andcareer opportunities
• Managingcustomer relations
• Performanceoriented

EYINTERACTIONS

INTERNAL

EXTERNAL

• Productand marketing team

• Legal& technical team

• RegionalOps, Credit , collection

• Externalmarketing agency

• Audit,Vigilance, Admin & FCU team