Bharat Banking:Regional Portfolio Manager

RL - Rural
Lending : Regional Portfolio Manager Farmer Funding

INTERNAL USAGE:

No of
Vacancies:

As and when required

Reports to:

Is a Team
leader

Y

Team Size:

Grade:

M-VP

Business:

Farmer Fice

Department:

Rural Lending

Sub - Department:

Farmer Funding

Location:

Pan India

About Bharat
Banking

The increasing income
diversification, evolution of the tech stack, various government schemes to improve livelihoods, and integrating the country via roads and the internet have provided strong tailwinds to the rural and semi urban (RUSU) or Bharat markets

To better capitalize on the
growth runway and open the world of possibilities for the Bharat customer, the bank has set up a separate Bharat Bank vertical It is an amalgamation of products and geography, handling certain core products across the country and all the products in the RUSU branches

The objective is to
accelerate the growth journey by expanding distribution reach via branches, partnerships, and digital presence, creating tailored products and processes, and using the One Axis strategy to harness synergies in all parts of the Bank to deliver to the Bharat customer

The Bank also continues to
focus on growing the book profitably by enhancing productivity, improving operational efficiency to reduce cost, and containing risk by leveraging technology such as AI and ML & rigorous portfolio monitoring

Farmer funding
team aims to provide timely credit facilities to farmers, meeting all their cultivation, farm maintece, consumption and investment needs by offering various loan products like KCC (Kisan Credit Card), Kisan Samarth (ODSAM) and ODCON

About the Role

The Regional Portfolio Manager (RPM) is responsible for
maintaining the portfolio health and ensuring that the irregularities are at its minimal for his Region & drive business from his mapped Portfolio RM s, sets the vision for the Region and develops and adheres to a plan to attain this vision The RPM coordinates with the Zonal, Regional & Area managers & Support Teams viz Credit, Collection, Operations, Product to ensure that they are able
to respond proactively to the portfolio & business issues and challenges by providing them with the required inputs and support

-

Key
Responsibilities

Deepen
the existing relationships by driving Enhancement and cross selling of the Banks Liability products & Services and third party products

Minimize
the customer attrition by effective implementation of Customer retention policy and ongoing customer engagement

Ensure
Customer delight whilst ensuring that the Bank s delivery standards in achieving total customer satisfaction are met

Maintain
the portfolio health through timely Renewals, increased churning & utilization limit along with nullification of PDD (Post Disb Document) pendency

Drive the
Resource Productivity in Business through Disb (B2C & Gold) and also portfolio parameters

Ensure
regularization of the accounts wherein there are No Credits , Interest not Serviced and Accounts overdrawn and FPD (First Payment Due) recovery

Conduct
regular and detailed Portfolio & business reviews with Zonal and Regional Heads to ensure that corporate strategies are percolated down to the ground level sales force

Ensure
training, development and management of Field team

Manage
relations with branch and Circle network in the location

Actively
pursue and close new business opportunities, working closely with Sales Management and Inside Sales Representative to ensure geography-based objectives are being met

Evaluate
market trends and gather competitive information, identify trends that effect current and future growth of regional business and portfolio management

Effectively
engage Operations, Credit, Collections & FCU teams to understand and contribute to overall processes and profitability across locations

Maintain
good working environment and high motivation level at across location

Qualifications

Optimal
qualification for success on the job is:

Graduation/
Post Graduation from a recognized institute

Role
Proficiencies:

For successful
execution of the job, a candidate should possess the following:

• Knowledge of industry, technology,
  marketing, and product trends


• Knowledge of regulatory guidelines
  and norms


• Good communication (both verbal and
  written) skill in both English and the local language


• Ability to manage complex client
  situations


• Ability to manage risk
  and uncertainty for self and team within a dynamic priority-setting environment