Cluster Manager-Vehicle Finance

Business/ Financials

• Drive daily/ Weekly /Monthly accomplishment of targets according to the annual/monthly targets established for the area and branches under his/her responsibility by providing guidance and solutions to his/her team as required
• Drive additional business from referral channel, phone banking & pre-approved leads
• Manage dealer relationship by close interaction with dealerships through regular visits
• Efficient staffing by timely recruitment & training of ROs
• Implement, supervise and control effectiveness of commercial strategy with his/her team to reach the productivity and growth targets established.
• Approve deviations and exceptions according to policy in place.

Customer (Both Internal & External)

• Ensure customers are educated about all products/services offered by Ujjivan.
• Ensure customer conversion by offering different products as per customer requirement.
• Focus on lower TAT as per laid down standards.

Internal Process

• Ensure compliance with lending guidelines, quality framework and audit requirements; ensure speedy resolution of any audit observations and take necessary steps to prevent recurrence audit and other regulations.
• Drive collection of initial EMIs [for 4MOB cases] through the ROs to ensure better portfolio health
• Ensure recovery & updation of RC & PDDs withing the allowed time period through ROs
• Ensure, supervise the correct implementation of the credit procedures including all the respective tools

Innovation & Learning

• Ensure that all members of his team are up to date on all relevant circulars and all products/services offered in the Branch
• Evaluate the staff competences in terms of promotion, business assessment and credit risk assessment capacity and propose solutions for improvement
• Ensure adherence to training man-days/ mandatory training programs for self and reportees
• Ensure goal-setting, mid-year review and annual appraisal process within specified timelines for self and reportees
• Monitor performance of ROs against defined goals/metrics and take corrective action wherever required