Area Sales Manager - Retail MFB

Drive Microfinance business by Identifying business potential locations, achieving business targets and maintaining portfolio quality.

• Leading a sales team of loans Officer & Branch Managers to achieve their business targets,Assess potential client base and product acceptability in new regions, areas & opportunities for geographical expansion of operational areas
• Driving strong business growth by recruiting, driving, managing and motivating their team across assigned territories for deeper market penetration and reachConducting field visits to ensure onboarding of quality customers by field team and visiting centre meetings to assess their conduct
• Motivating low performing branches and staff to improve their efficienciesEnsuring repayment, collection efficiencies and delinquency management in their respective areas
• Forming innovative collection strategies in their respective areas to prevent risky areas and ensure portfolio quality
• Visiting overdue, non-starter and delinquent customers with the team to assist and guide them on hard bucket collections
• Identifying productive branch locations and Responsible for handling all Compliance, Audit, Legal, Customer Service, Operations, Logistics, Admin, HR etc
• related issues in their areaKeeping a close eye on external environment (Defaulting pockets, Competition, Socio political issues) and understand/act with early warning signals
• Ensure Compliance to PHC reports & audit reports in timely mannerResponsible for all recruitment, training, learning and upskilling of manpower in the ranches pertaining to his are and motivating them to achieve maximum productivity
• Training Branch Managers and Loan officers to improve their productivity, customer assessment, technical knowledge, improving FTR and reducing TATGuiding staff to promptly always resolve any customer complaints and maintain desired customer satisfaction
• This is to ensure brand recall amongst customers and non-customers while maintaining strong brand valueServing as a strong middle link between Head Office and Field Staff to disseminate important informationProviding inputs for enhance existing and suggesting new products to Head Office Teams which suit their target customers and geographiesSupervising a cluster of 4-6 branches within his area and assisting, monitoring and supervising them on all aspects to ensure smooth conduct of business operations
• Ensure all laid down system and processes are followed at the branch as stipulated by the Senior Management
• Ensure that all staff are adequately trained on the Products of the company and Processes

Qualification : Post Graduate/ Graduate in any discipline