Cluster Manager - Housing Finance

Roles and Responsibilities

• Responsible for establishing the Piramal brand by overseeing the sales and business development activities for Housing Loans products (including small tickets) across all branches in the purview.
• Design the Business development strategy in consultation with the Zonal Sales Manager, identifying revenue generation targets for the region and revenue objectives for respective districts in support of national objectives.
• Responsible for driving branch profitability, new channel development and design of localised products.
• Drive business development for the entire region to meet regional sales financial objectives by preparing regional plans; scheduling expenditures; analysing variances; and initiating corrective actions.
• Present the performance metrics of the region to the senior management periodically.
• Monitor the loan book, product mix, yield, quality of the portfolio and other business metrics for the region and guide area sales managers for course correction.
• Coordinate and liaison with other function heads to drive requisite business metrics in the region and provide feedback on product offerings, channels, and processes to the heads of functional teams (Product, Marketing, credit, operations, technical, legal) to identify opportunities for improvement.
• Monitor region-specific regulatory compliances and collaborate with internal and external stakeholders to manage state authorities.
• Oversee the implementation of marketing, advertising, and promotional planning in collaboration with the marketing team for region-specific customizations.
• Conduct regular visits to locations within the region to understand the on-ground realities and guide the local teams on how best to leverage the opportunities, in line with the Organizational goals.

Desired Candidate Profile

• 10-15 years of experience in a mid-sized HFC or NBFC
• Minimum 5-6 years of team handling experience in Housing Loans (including small ticket)
• Demonstrated track record of building teams, channels, and disbursements in the BL segment.
• Exposure to the digital lending process is preferred.
• Experience in recruiting and training sales team and channel partners
• Experience in managing multiple branches with deep knowledge and understanding of the respective geographies.
• Excellent written & verbal communication skills.
• Knowledge of compliance regulations as issued by NHB, RBI etc.