The purpose of this job is:
. Manager the team of ASMs & SMs
o To deliver on area/ local strategy for the Unsecured Business segment in terms of target
segments, strengthening existing relationships and setting up new channels for market
penetration, and work towards achievement of sales targets and operational plans.
o To proactively address customer/ DSA issues and escalate cases (e.g. fraud alerts, customer
complaints or exception handling) as required for smooth operations; work on removal of
bottlenecks for the achievement of targets for Unsecured Business segment at the area/ local
level
o To grow the penetration of the business by actively partnering, negotiating and building
relationships with the DSA network, and directing and building the capability of SMs (if any
assigned)
To take ownership for end to end Unsecured business transactions in assigned area of coverage, with
efficient internal operations for superior product delivery and credit quality of new acquisitions with
compliant sales operations & coordination with Risk team.
Key Result Areas (Max 1325 Characters) Supporting Actions (Max 1325 Characters)
Sales Growth & Client Acquisition o Identify and execute sales growth
opportunities at a local/ area level, driving
channel expansion and new account
acquisition
o Segment the market and identify potential
direct clients, approach them and generate
business through customized loan structure
offerings that meet client requirements and
also generate good margins for business
o Deliver on sales targets by building strong
relationships in the DSA network and
influencing DSA outcomes
o Augment the sales volumes of Unsecured
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Annexure I : ABG Job Description Template
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HayGroup Job Description Template 2017
lending, manage channel databases and
tap them tactically to ensure healthy sales
pipeline
o Drive faster TATs through effective loan
sanctioning by building strong relationships
with internal stakeholders in order to
expand channel presence and customer
base
o Track & report on sales operations and
productivity metrics, and work towards
building a high-performance sales culture
o Actively participate in initiatives and
contests driven by Business Development
teams
Operational Effectiveness
o Work with dual focus on sales volume and
value (IRR) through the team
o Track & ensure SLA adherence, sales
efficiencies and RoI
o Adopt prescribed improvements in
processes and best practices in order to
enhance operational productivity and
suggest improvements as well
o Analyze and communicate operational
information periodically as per agreed
timelines and MIS formats for
disbursements, profits, NPAs, channel
expansion, new product launches, new
branches, new channel development, etc.
and communicate to ZSM as well as down
the line