Territory Business Manager (Gold Loan)

Job Description

Job Title: Territory Business Manager Education: Bachelors degree required (Graduation) or above in any stream. Experience: Minimum 5 years of experience in sales and operations management, with at least 2 years in a team-leading role. Key Responsibilities: Business Development: Drive revenue generation by implementing effective sales and retention strategies to achieve AUM targets in the territory. Operations Management: Oversee and ensure smooth day-to-day operations of the branch, adhering to operational guidelines and compliance standards. Recruitment of Frontline Employees: Identify staffing needs, recruit talented individuals, and build a high-performing team of frontline employees. Training and Nurturance: Provide training, mentoring, and ongoing support to frontline employees to enhance their skills, product knowledge, and customer service abilities. Risk and Audit and Compliance Adherence: Implement risk management protocols, ensure compliance with internal policies and external regulations, and conduct periodic audits to maintain a secure and compliant environment. Ensure adherence to regulatory and compliance requirements at all times, maintaining the highest standards of ethical conduct. Liaising with Lending Partner Banks: Foster strong relationships with lending partner banks, collaborate on business strategies, and ensure seamless communication and cooperation. Cross-Selling of Third-Party Products: Identify opportunities for cross-selling various third-party products to customers, increasing revenue and enhancing the customer experience. Building Rupeek Business Partners and DSA Channel: Establish and nurture partnerships with local businesses and develop a robust DSA channel to drive business growth. Reporting and Analysis: Prepare regular reports on business performance, monitor key metrics, analyze trends, and make data-driven decisions to improve operational efficiency and effectiveness. Essential Skills: Excellent leadership and team management skills, with the ability to motivate and inspire a diverse team. In-depth knowledge of loan products, lending processes, and regulatory frameworks. Strong analytical and problem-solving abilities, with a keen eye for detail. Excellent communication, negotiation, and relationship-building skills. Ability to work in a fast-paced, target-driven environment and adapt to changing market conditions. Demonstrated ability to handle multiple priorities and meet deadlines effectively. Ability to do demand generation in the market and build offline channels. Should be good at relationship management across various stakeholders (Customer, Channel partner, Internal team, cross functional) Local language proficiency and geography knowledge are preferred.