Work with NSM on designing zonal strategy considering regional factors, competitive forces and consumer preferences in a manner that supports achievement of national business goals
o Ensure cascade of zonal strategy and operational plans down the line for effective execution and alignment
o Scan the market and its competitive offerings on a periodic basis; report on and direct basis emerging trends and business opportunities for the unsecured segment

Business Growth Profitability Management

Identify business growth opportunities at a zonal level, drive channel expansion and new account acquisition strategies to achieve business objectives
Envisage business growth cascade targets to implement sales strategies
Augment the business volumes of Unsecured lending, manage ABG ecosystem, channel databases and tap them through existing relationships
Drive relationships with key clients, faster TAT and cross selling initiatives in order to increase the client base of the zone
Drive dual focus on sales volume and value (higher yield and margins) through the team
o Devise and deploy schemes at strategically timed intervals to bolster sales volumes/ value in sync with market developments and dynamics
o Analyze and review periodic MIS reports for disbursements, profits, NPAs, channel expansion, new product launches, new branches, new channel development, etc., communicate to NSM as well as down the line, and drive appropriate actions through the team

Operational Effectiveness

Drive process efficiencies and faster TATs through strong relationships with stakeholders across processes and functions, in order to support channel presence and customer base expansion
Monitor and report on sales operations and productivity metrics to drive a high-performance sales culture
o Monitor SLAs, sales efficiencies and RoI of channels
o Encourage the implementation of improved processes and best practices in order to enhance operational productivity and drive channel strength and customer satisfaction

Distribution Market Expansion

Engage with various corporate, ABG ecosystem and channel network stakeholders and develop/ drive a touch point management system for faster customer connectivity and loan processing-disbursement
o Effectively deploy schemes and prioritize sales of high revenue products and structures
o Conduct engagement programs and sales trainings to develop teams and channel partners

Risk Management

Support the risk and review process by reviewing the loan sanctioning and
Disbursement process and documentation to ensure controlled operations
Drive compliant Sales Operations and sound risk management via partnership with Risk team
Liaise with the customers and the Risk team as required to provide regular information required for monitoring the creditworthiness of the proposals
Manage portfolio activities augmenting and driving alignment with early alert strategies to reduce losses
Proactively identify risks to maintain portfolio quality and liaise with channel partners, customers and the risk team in escalation cases, supporting coordination with systematic MIS on NPAs and credit trends

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