State Business Manager - Home Loans

This role is responsible for driving business growth, managing sales teams, and ensuring timely collections in their assigned region

KEY RESPONSIBILITIES

Business growth and development

Generate high-quality business, analyze market dynamics, and identify opportunities for growth

Team Management

Lead, motivate, and manage a team of Cluster Heads ,BBM & FOS to ensure they meet their targets

Branch Administration

Oversee branch administration and infrastructure.

Sales development

Develop and execute sales strategies, build relationships with builders, developers, and local authorities, and facilitate smooth sales closure

Compliance

Ensure compliance with regulatory requirements and implement effective risk management strategies.

Stakeholder Engagement

Collaborate with Technical, Legal, Audit, Finance, IT and Operations.

KEY CHALLENGES

• Technology

KEY DECISIONS TAKEN

With respect to ROI, CBM can approve 0.5% deviation

KEY INTERACTIONS

Internal Stakeholders

External Stakeholders

• Credit
• Legal
• Technical
• Audit
• Operations

• Customers
• DSA
• External Legal team
• TEAL
• MAATRUM (legal & technical)

KEY ROLE DIMENSIONS

Geographical Coverage-

No of Direct Reportees-

Total Team Size -

Portfolio -

Cluster (entire UP & North)

27-30

200 -250

350-400 Cr

KEY SKILLS & BEHAVIOURAL ATTRIBUTES

• Strong understanding of the Branch business, & local Geographical Market.
• Market principles, practices and current business trends.
• Knowledge of business mortgage loans, products, processes, and regulations
• Ability to manage multiple priorities and be able to handle deadlines.
• Knowledge upgrading on latest regulatory norms.
• Knowledge in financial analysis & knowledge in data analysis.
• Good communication and interpersonal skills.
• Good in collaboration with internal & external partners.
• Leadership Skills.
• Attract and retain good talent for key roles through training & mentoring.

EDUCATION / EXPERIENCE

Minimum Qualification: Any Graduate / postgraduate

Nature of Experience: 10+ Years Experience in similar industry.