Territory Sales Manager, Rural Mortgage

Job Description

Role & responsibilities Monitors and maintains the balance between Group Lending / Individual / Secured portfolio. Reviews Branch Operating Matrix Periodically reviews CPVs and GRTs. Monitor profitability and performance of the cluster using various productivity, efficiency and financial parameters. Periodically audits the cash management process. Periodically reviews the insurance claim process and ensures the claim process is duly adhered to. Undertakes measures to increase growth in volume and contribution of the cluster to the state. Plans and implements customer care programmes regularly. Plans activities to ensure growth of business and therefore market share. Tracks competition regularly and provides feedback on the initiatives on changes in programmes. Provides feedback on the existing policies with their pros and cons. Actively takes part in the hiring of front end sales personnel for the cluster ensuring 100% manning at any point in time. Ensures all the employees onboarded have undergone requisite training and are certified. Ensures all the Units have adhered to all statutory norms and escalates as and when any issues surfaces. Takes the lead to address any customer complaint and ensures resolution. Takes a periodic review on customer attrition and reasons for the same. Does a daily check on ODs in the cluster with reasons and intervenes as and when required. Identify and analyze risks (economic, social, political, etc) related to broader loan portfolio; ensure portfolio diversification and quality across activities and Area Takes a lead in delivering programmes as and when required. Takes the lead in grooming employees to the next level. Does a periodic check on cash reconciliation across the cluster. Does a regular check on attrition and reasons responsible for them. Tracks all the high performers and provides the necessary inputs to ensure they grow further similarly tracks the underperformers and provides inputs to ensure they grow further. Coaches Unit Managers in analyzing reasons behind drop-out rates and identifying techniques to reduce drop-out problems. Is fair and objective while dealing with all employee related issues. Continuously upholds and communicates importance of Integrity and Discipline in the branch. Responsible for the upkeep of all matters related to the disciplinary grid irrespective of grade or role. Encourages and protects any employee voicing concerns on deviation from systems and process. Takes the lead in ensuring all employees take part in VOE survey. Objectively rates employees basis performance and recommends employees to the next level. Also facilitates communication of rating to the employees. Ensures backend operations of every branch function in a smooth and effective manner. Understands and Uses technology and the system tools for smooth & effective dis-emination of process & lacunae in functioning. Responsible for infrastructure of FICCL and its maintenance Responsible for daily reporting of business and performance to the State Business Head. Through periodic reviews ensures adherence to processes so as to meet the audit requirements. Periodically audits files during month end to ensure there are no exceptions raised and FTR score is as per norms. Build network within community. Ensures organizing of community care programmes. Relationship building with local association, trade association heads. Helps build brand through excellent personalized services and displaying top level business ethics and conduct. Periodically attends branch huddle meetings, centre meeting to check effectiveness. Ensures all policy changes are disseminated effectively to all concerned. Where ever necessary ensures refreshers take place. Ensure login to disbursal ratio is within the national similarly rejection ratio is within the national average. Periodically does physical customer checks to validate. Actively participates in employee engagement activities. Judges and makes independent decisions inferred through quantitative and qualitative data (including informal feedback from stakeholders and non-business context: socio-political-religious environmental factors) Ensure technology is put to maximum use. Plans and provides direction on various products and functioning to the cluster. Monitors plan to result every month. Anticipates and uses data to ensure resolutions / escalate problems whereever. Co-ordinates with various support functions to ensure smooth working relationship. Upholds the values and principles of the company. If given POA plays the role effectively and with sincerity. Preferred candidate profile Experience in Mortgage is preferred Rural Market Knowledge, Network with the local community and Opinion Leaders