Territory Sales Manager

Territory Sales Manager - GEL

• Area Profitability
• Area Portfolio Performance
• Productivity of front end personnel.
• Growth in contribution on volume and revenue to the state
• Fee Income

Customer Focus

• Customer Care Programs in the Area
• Attending customer queries & resolution in TAT
• New Customer acquisition and attrition.
• No .of CSR activities.

People / Team

• Ensures every new joinee in the cluster goes through the training and is certified before he is got into branch.
• Area Attrition Voluntary / Involuntary
• No. of people groomed to the next level.

Process / Quality Improvement

• File Quality Check
• Adherence to process disbursement, collections etc.
• Ensure prevention of frauds through various process check points and monitor those check points periodically

SCOPE & DISCRETION (Span of control)

• Monitors and maintains SG product
• Reviews Branch Operating Matrix
• Periodically reviews CPVs and GRTs.
• Monitor profitability and performance of the Area/Clusters 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 programs regularly.
• Plans activities to ensure growth of business and therefore market share.
• 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 on boarded 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
• Does a periodic check on cash reconciliation across the Area/ cluster.
• Does a regular check on attrition and reasons responsible for them.
• Coaches Unit Managers in analyzing reasons behind drop-out rates and identifying techniques to reduce drop-out problems.
• 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.
• Responsible for infrastructure of SMFG 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.
• Ensures organizing of community care programs.
• Periodically attends branch huddle meetings, center meeting to check effectiveness.
• Ensure login to disbursal ratio is within the national similarly rejection ratio is within the national average.
• Periodically does physical customer checks to validate.

Expertise required/ Domain Knowledge: