Cluster Head- Used Commercial Vehicle Loan/Used Car Loan

Role & responsibilities

Business delivery & growth

• Deliver top line through all channels.
• Responsible for P & L of the cluster.
• Drive team for critical revenue parameters: ROI, pf, insurance penetration.
• Propose and execute various strategies for higher market penetration / faster portfolio build up.
• Supervising complete business operations including profitability, forecasting monthly / quarterly sales & collection targets, & their execution.
• Look for opportunities to enhance revenue streams cross sell (ETB), new sources for outbound campaigns, third party products etc.

Channel Management & Distribution

• Ensure sourcing mix through channels in the most cost-effective manner, to control Cost of Acquisition
• Ensure delivery of region wise disbursal volumes, revenues and yield target.
• Leveraging on Marketing / Product support / Manufacturer support for enhancing business penetration.
• Triggering promotional activities to ensure continuous funnelling.
• Chalk out plans for foraying into new areas / locations / markets / branches

People Development

• Creating and Driving team of Relationship Managers towards the goal. Draw up plans for recruitment of manpower according to the plan.
• Plan specialized training programs on regular basis to ensure team is updated on product/policy.
• Provide developmental feedback to all direct reports.
• Ensuring minimum attrition in the team with constant engagement & feedback & ensure skills development through regular trainings.

Compliance & Quality maintenance and Improvement

• Driving quality measures like PDD, Portfolio quality, cross sell.
• Ensure regular review of account bucket movements, its recovery and appropriate reporting.
• Drive business in a manner to maintain operational, process and regulatory compliance and also ensure quality is maintained.
• Maintain quality in various processes with the intention of delivering right customer service without any chance of customer complaints.
• Ideate & recommend new project, process developments that are competitively benchmarked.

Preferred candidate profile