Branch In-Charge - ML

Role Overview: You will be responsible for generating business under JLG Loan and maintaining the productivity and profitability of the Branch for all products. Your main focus will be on achieving the set target of disbursement and cross-selling products for the branch. Additionally, you will spearhead the Sales, ensuring revenue generation and client servicing for the branch. Your role will involve defining business targets, developing strategies for market penetration across various segments, and improving the overall business of the organization. You will lead a team of competent sales recovery executives, providing training, guidance, and motivation to enhance their quality and productivity. Key Responsibilities: - Perform risk analysis and determine the loan amount based on the borrowers" credit score. - Conduct critical analysis of financial risks and prepare appraisal reports to support credit lending decisions. - Identify potential default cases and implement proactive measures to prevent them from becoming NPA. - Maintain the quality of the portfolio by ensuring zero PAR and timely collections and disbursements in the branch. - Analyze delinquent accounts on a case-by-case basis, develop strategies for recovery, and offer debt counseling to facilitate settlement of dues. - Ensure all reports are accurate, complete, and submitted on time. - Monitor the performance of the branch and strategize for employee retention. Qualifications Required: - Bachelor's degree in Finance, Business Administration, or related field. - Proven experience in sales, revenue generation, and client servicing roles. - Strong analytical skills and ability to perform risk analysis effectively. - Excellent leadership and team management skills. - Knowledge of credit lending procedures and financial risk assessment. - Ability to develop and implement business strategies for market penetration. - Good understanding of delinquency management and debt recovery processes.,