Distribution Manager

Distribution Manager-Micro Banking - Tamil Nadu

South 1660-Madurai, Madurai, Tamil Nadu, India

• POSITION DESCRIPTION

• ROLE PURPOSE & OBJECTIVE
  
  

• 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.
• Ensure conversion of existing customers at liabilities; ensure savings or current account is being opened for all existing customers and monitor on minimum balance
• Prepare business plan and financial budget for the branches in the assigned cluster
• Ensure targets are assigned & met by the branches by adhering to internal and regulatory compliance; Monitor the branches performance
• 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
• Ensure surveys are conducted timely to open up new branches and thereby increase the business and targets
• 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

• Management of all the reporting staff

• Closure of Audit points and Maintaining threshold on “Needs Improvement” and “unsatisfactory” branches

• Timely disbursement of sanctioned loans
• Maintains process quality & ensures adherence to internal audit standards
  
  

• SIZE OF THE ROLE
  
  

• 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 it’s 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)

• MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS
  
  

• Any graduate/Post-graduate, preferably finance background.
  
  

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

• If required
  
  

• Sales and Marketing skills
• Knowledge on liabilities and other products
• Willingness to travel across locations.
• Sound knowledge on MS office
• Team handling skills
• Analytical and Interpretation skill
  
  

• Interrogation and investigation skills
• Conflict Management
• Decision Making skills
• Problem solving skill
• Strong Interpersonal skills
• Good at communication in local language and English.
• Training Skills
• Performance oriented.
  
  

• KEY INTERACTIONS