Distribution Manager - Micro Banking

1. ROLEPURPOSE & OBJECTIVE

1. Responsiblefor unsecured business (GL, GL to IL conversion, IL open market)in the assigned cluster to meet the financial goals by creatingsales strategies.
2. Ensureconversion of existing customers at liabilities; ensure savingsor current account is being opened for all existing customers andmonitor on minimum balance
3. Preparebusiness plan and financial budget for the branches in theassigned cluster
4. Ensuretargets are assigned & met by the branches by adhering tointernal and regulatory compliance; Monitor the branchesperformance
5. Ensurethe team is coordinating with Product and marketing team to drivecampaigns on all the branches under assigned cluster; ensureexceptional customer service; co-ordinate with externalstakeholders
6. Ensuresurveys are conducted timely to open up new branches and therebyincrease the business and targets
7. Ensurerecruitment of all branch staffs are in line with manpowerbudget; monitor the hiring, training and evaluation process ofthe employees in the branches
8. Managementof all the reporting staff
9. Closureof Audit points and Maintainingthreshold on Needs Improvement and unsatisfactorybranches
10. Timelydisbursement of sanctioned loans
11. Maintainsprocess quality & ensures adherence to internal auditstandards

1. SIZEOF THE ROLE

FINANCIALSIZE

NON-FINANCIALSIZE

• PortfolioManaged- approx. 500-1000 Cr

• Torecruit and maintain the headcount budget for the branch
• Tohandle all the customers sourced by the CROs/LOs/FIOs

1. KEY DUTIES & RESPONSIBILITIES OF THE ROLE

• Business/Financials (Only Relevant roles)

• Ensuretarget isbeing achieved forthe branches(SFB, CAT B, UBRB)under assigned cluster in unsecured loans, liabilities acrossassignedproducts
• Ensurebusiness correspondence model runs smoothly by monitoring closelyfor all new BC.
• Ensurefee-based products like insurance remittance are served to thecustomers
• Monitorthe business growth through area manager and focus on brancheswhere there aremore shortfalls in achieving target
• EnsurePortfolio quality is maintainedand adherenceofcredit policesby the branches
• Undertakeinitiatives to control overdue such as timely review andrecovery; ensure action plan in place and its followed bythe branches
• Maintainand updates the supervisor on information about competitors inthe assigned cluster
• Prepare& circulatethemonthly dashboard consolidated for the assignedclusteralong with all the branches
• Distributeand implement budgetfor everyfinancialyear for the branches in co-ordination with the CRMs & AreaManagers
• Ensurethe branches under assigned cluster is being profitable andensure the Financial budget is being met
• Monitorthe monthly performance evaluation of branches through themonthly CRM meeting put in immediate control measures fornon-performing branches
• Developsa business plan for the areas to open new branches and ensuresthat Area Manager conducts area surveys and open branches inco-ordination with Admin & HR
• Responsiblefor recruitment, training & development, performancemanagement, communication, staff interaction,motivation/mentoring & retention of the entire team undersupervision in co-ordination with HR Department.
• Identifybranch location as per branch opening strategy
• Implementationof products pertaining to Government business
• Managementof all the reporting staff
• Closureof Audit points and Maintainingthreshold on Needs Improvement and unsatisfactorybranches

• Customer (Both Internal & External)

• Buildscustomer interaction through meetings, functions & trainingprograms and develop a customer-oriented organization
• Ensurecustomers are being educated about products like fixed deposit,recurring deposits, insurance & remittance during centermeetings and customer forum meeting
• Ensurecourteous customer service is being offered
• Ensurecustomer connect initiatives are being conducted in the branchvicinity
• Co-ordinateswith Social service team to extend microfinance plus programs forthe customers.

• Internal Process

• Overseeand ensure efficiency in branches; Branch operations throughadherence to TAT for various internal and customer end processes;drive utilization of alternate channels BusinessCorrespondents
• Ensurecompliance with banking guidelines, quality framework and auditrequirements; ensure speedy resolution of any audit observationsand take necessary steps to prevent recurrence.
• Monitor& ensure control measure are being taken to minimize allexpenses in the branches and associated CAT Bs/UBRB withoutcompromising quality
• ResolvesHard bucket over dues with the assistance of Fraud Control
• Attendmonthly meeting at each Area Manager level with CRMs to reviewthe monthly performance for each CRS & branch and sets goalsfor the next month
• ReviewMIS, gets feed-back from CRS & customers every month andidentify problems in branches, staff and centers. Sets tasks forCRMs, Area Managers to supervise the problem areas directly andreport & manage staff & field discipline issues
• Ensuresthat Area Manager are managing the collection of each branch on aday-to-day basis and ensures the follow-up for over duesimmediately, first through CRMs, then through Area Manager andthen personally
• Toensure adherence to minimum number of House visits and centrevisits for the month

• Innovation & Learning

• Ensurethe team is up to date on all the policy changes and revisions
• Conducttraining programme for the direct reportees and other teammembers by the supervisors
• Ensuremid-year and annual appraisal are being done timely and fairratings are given for the team members
• Monitorperformance of staff against defined goals/metrics and takecorrective action wherever required; undertake disciplinary andattendance monitoring for the team members
• Coordinatewith state HR on people related matters; support branchactivities to foster teamwork and continuously make Ujjivan agreat place to work
• Ensurecoordination between staff of different teams, to build acollaborative spirit and shared sense of purpose (which couldalso enable cross-sell and overall target achievement)

Sharefeedback on policy and ensure the policy is in par with theindustry standards

1. MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS

Educational

Qualifications

• Anygraduate/Post-graduate, preferably finance background.

Experience

• 6to 8 years of team handling experience, Preferably experience inhandling large team in any financial institution.

Certifications

• Ifrequired

FunctionalSkills

• Salesand Marketing skills
• Knowledgeon liabilities and other products
• Willingnessto travel across locations.
• Soundknowledge on MS office
• Teamhandling skills
• Analyticaland Interpretation skill

Behavioral Skills

• Interrogationand investigation skills
• ConflictManagement
• DecisionMaking skills
• Problemsolving skill
• StrongInterpersonal skills
• Goodat communication in local language and English.
• TrainingSkills
• Performanceoriented.

1. KEY INTERACTIONS

INTERNAL

EXTERNAL

RegionalProduct and Marketing Team

CashManagement agencies

StateHR

BCagencies

RegionalCredit Team

Competitors

RegionAudit Team

Communityforums

RegionalAdmin Team

GovernmentBodies

CollectionManager

MFIN

MBproduct team

SLBC

Vigilanceteam

LDM

RegionalHR team