Distribution Manager - Micro Banking

GRADE - VP-I

DEPARTMENT - Micro Banking

REPORTS TO - RBM - MB

REPORTING INTO - AM-MB

ROLE PURPOSE & OBJECTIVE

1. Responsible for unsecured business (GL, GL to IL conversion, IL open market) in the assigned cluster to meet the financial goals by creating sales strategies.
2. Ensure conversion of existing customers at liabilities; ensure savings or current account is being opened for all existing customers and monitor on minimum balance
3. Prepare business plan and financial budget for the branches in the assigned cluster
4. Ensure targets are assigned & met by the branches by adhering to internal and regulatory compliance; Monitor the branches performance
5. Ensure the team is coordinating with Product and marketing team to drive campaigns on all the branches under assigned cluster; ensure exceptional customer service; co-ordinate with external stakeholders
6. Ensure surveys are conducted timely to open up new branches and thereby increase the business and targets
7. Ensure recruitment of all branch staffs are in line with manpower budget; monitor the hiring, training and evaluation process of the employees in the branches
8. Management of all the reporting staff
9. Closure of Audit points and Maintaining threshold on Needs Improvement and unsatisfactory branches
10. Timely disbursement of sanctioned loans
11. Maintains process quality & ensures adherence to internal audit standards

SIZE OF THE ROLE

FINANCIAL SIZE

NON-FINANCIAL SIZE

• Portfolio Managed- approx. 500-1000 Cr

• To recruit and maintain the headcount budget for the branch
• To handle all the customers sourced by the CROs/LOs/FIOs

KEY DUTIES & RESPONSIBILITIES OF THE ROLE

• Business/ Financials (Only Relevant roles)

• Ensure target is being achieved for the branches (SFB, CAT B, UBRB) under assigned cluster in unsecured loans, liabilities across assigned products
• Ensure business correspondence model runs smoothly by monitoring closely for all new BC.
• Ensure fee-based products like insurance remittance are served to the customers
• Monitor the business growth through area manager and focus on branches where there are more shortfalls in achieving target
• Ensure Portfolio quality is maintained and adherence of credit polices by the branches
• Undertake initiatives to control overdue such as timely review and recovery; ensure action plan in place and its followed by the branches
• Maintain and updates the supervisor on information about competitors in the assigned cluster
• Prepare & circulate the monthly dashboard consolidated for the assigned cluster along with all the branches
• Distribute and implement budget for every financial year for the branches in co-ordination with the CRMs & Area Managers
• Ensure the branches under assigned cluster is being profitable and ensure the Financial budget is being met
• Monitor the monthly performance evaluation of branches through the monthly CRM meeting put in immediate control measures for non-performing branches
• Develops a business plan for the areas to open new branches and ensures that Area Manager conducts area surveys and open branches in co-ordination with Admin & HR
• Responsible for recruitment, training & development, performance management, communication, staff interaction, motivation/mentoring & retention of the entire team under supervision in co-ordination with HR Department.
• Identify branch location as per branch opening strategy
• Implementation of products pertaining to Government business
• Management of all the reporting staff
• Closure of Audit points and Maintaining threshold on Needs Improvement and unsatisfactory branches

• Customer (Both Internal & External)

• Builds customer interaction through meetings, functions & training programs and develop a customer-oriented organization
• Ensure customers are being educated about products like fixed deposit, recurring deposits, insurance & remittance during center meetings and customer forum meeting
• Ensure courteous customer service is being offered
• Ensure customer connect initiatives are being conducted in the branch vicinity
• Co-ordinates with Social service team to extend microfinance plus programs for the customers.

• Internal Process

• Oversee and ensure efficiency in branches; Branch operations through adherence to TAT for various internal and customer end processes; drive utilization of alternate channels Business Correspondents
• Ensure compliance with banking guidelines, quality framework and audit requirements; ensure speedy resolution of any audit observations and take necessary steps to prevent recurrence.
• Monitor & ensure control measure are being taken to minimize all expenses in the branches and associated CAT Bs/UBRB without compromising quality
• Resolves Hard bucket over dues with the assistance of Fraud Control
• Attend monthly meeting at each Area Manager level with CRMs to review the monthly performance for each CRS & branch and sets goals for the next month
• Review MIS, gets feed-back from CRS & customers every month and identify problems in branches, staff and centers. Sets tasks for CRMs, Area Managers to supervise the problem areas directly and report & manage staff & field discipline issues
• Ensures that Area Manager are managing the collection of each branch on a day-to-day basis and ensures the follow-up for over dues immediately, first through CRMs, then through Area Manager and then personally
• To ensure adherence to minimum number of House visits and centre visits for the month

• Innovation & Learning

• Ensure the team is up to date on all the policy changes and revisions
• Conduct training programme for the direct reportees and other team members by the supervisors
• Ensure mid-year and annual appraisal are being done timely and fair ratings are given for the team members
• Monitor performance of staff against defined goals/metrics and take corrective action wherever required; undertake disciplinary and attendance monitoring for the team members
• Coordinate with state HR on people related matters; support branch activities to foster teamwork and continuously make Ujjivan a great place to work
• Ensure coordination between staff of different teams, to build a collaborative spirit and shared sense of purpose (which could also enable cross-sell and overall target achievement)
• Share feedback on policy and ensure the policy is in par with the industry standards.