Cluster Sales Manager - Business Loans and LAP

Job Description

Role & responsibilities Responsible for managing the overall sales of LAP and Business Loan at Cluster Level. Responsible for Business development in the assigned cluster by exploring business potential, opportunities & clientele to secure profitable business volumes. To Monitor the performance of branches on various productivity, efficiency and financial parameters. Responsible for streamlining systems and processes in branches, managing delinquency and mitigating risks by keeping the loan loss provision less than 1% of region portfolio in branch operations. To analyze business data & trends, projecting demand, resource allocation, manpower efficiency & deployment, cost optimization and accordingly manage sales targets, P/L accounts, and related growth. Responsible for monitoring P&L for individual branches and ensuring max profit by increasing budget numbers. Responsible for designing & executing business strategies in response to the market, customers' needs and growth requirements. Responsible for analyzing gaps in portfolio, doing credit analysis, risk identification, chalking out strategies to mitigate risks, and guiding branches in ensuring enhanced credit quality in the portfolio. To understand the market dynamics and accordingly suggest Credit & product team in devising competitive pricing structure periodically. Responsible for managing Team size spread across multiple branches. Preferred candidate profile Post Graduate/Graduate in any discipline. 8-10 years of prior experience in mortgage sales in NBFC/HFC in Rajasthan and need specific experience in LAP and Business Loans- Min 4/5 yrs. out of total 5/6 Years Managerial experience in handling a diverse team. Experience in handling ticket size between 10 Lacs- 5 Cr in LAP or 5 Lacs to 50 Lacs in Business Loans along with monthly disbursement of minimum 8-10cr.