Area Business Manager-Fast Track Loan

Job description

Role & responsibilities 1. Business/ Financials • Daily/ Weekly /Monthly monitoring of the accomplishment of targets according to the annual/monthly targets established for the area and branches under his/her responsibility to provide guidance and solutions to his/her team as required. • Assign targets and results on daily, weekly, monthly basis of portfolio of risk by different categories such as days in arrears, number of installment due, amount within his/her region by area, branch, loan officer with the objective to identify tendencies and risks. • Supports Team - In his/her area in their duties of client visits, Risk assessment and recovery strategies. • Efficient staffing by timely recruitment & training. • Implement, Supervise and Control effectiveness of commercial strategy with his/her team to reach the productivity and growth targets established. • Approve deviations and exceptions according to policy in place. • Ensure, supervise the correct implementation of the credit procedures including all the respective tools 2. Customer (Both Internal & External). • Ensure customers are educated about all products/services offered by Ujjivan. • Ensure lower customer attrition by providing different products as per customer requirement. • Focus on lower TAT as per laid down standards 3. Internal Process • Ensure compliance with lending guidelines, quality framework and audit requirements; ensure speedy resolution of any audit observations and take necessary steps to prevent recurrence audit and other regulations. • Monitor health of portfolio. • Sanctioning of loans according to the policy in place. • Ensure, supervise the correct implementation of the credit procedures including all the respective tools. • Discuss strategies and changes in terms of products, capacity building, procedures etc. • Manage and rectify Audit / Vigilance and other control function observations within defined • timelines 3. Learning & Performance • Ensure that all members of his team are up to date on all relevant circulars and all products/services offered in the Branch. • Evaluate the staff competences in terms of promotion, business assessment and credit risk assessment capacity and propose solutions for improvement. • Ensure adherence to training man-days/mandatory training programs for self and reportees. • Ensure goal-setting, mid-year review and annual appraisal process within specified timelines for self and reportees. • Monitor performance of staff against defined goals/metrics and take corrective action wherever required; undertake disciplinary and attendance monitoring of the team. Locations- Ahmedabad, Vadodara Interested candidate may share resume on priya.more392@ujjivan.com