Area Sales Manager - Retail MFB - Sales - Koratagere - Laksmi Venkateshwara Complex - JM

Job description

Drive Microfinance business by Identifying business potential locations, achieving business targets and maintaining portfolio quality. "•    Leading a sales team of loans Officer & Branch Managers to achieve their business targets, •    Assess potential client base and product acceptability in new regions, areas & opportunities for geographical expansion of operational areas.  •    Driving strong business growth by recruiting, driving, managing and motivating their team across assigned territories for deeper market penetration and reach •    Conducting field visits to ensure onboarding of quality customers by field team and visiting centre meetings to assess their conduct. Motivating low performing branches and staff to improve their efficiencies •    Ensuring repayment, collection efficiencies and delinquency management in their respective areas. •    Forming innovative collection strategies in their respective areas to prevent risky areas and ensure portfolio quality. •    Visiting overdue, non-starter and delinquent customers with the team to assist and guide them on hard bucket collections. •    Identifying productive branch locations and Responsible for handling all Compliance, Audit, Legal, Customer Service, Operations, Logistics, Admin, HR etc. related issues in their area •    Keeping a close eye on external environment (Defaulting pockets, Competition, Socio political issues) and understand/act with early warning signals. •    Ensure Compliance to PHC reports & audit reports in timely manner •    Responsible for all recruitment, training, learning and upskilling of manpower in the ranches pertaining to his are and motivating them to achieve maximum productivity. •    Training Branch Managers and Loan officers to improve their productivity, customer assessment, technical knowledge, improving FTR and reducing TAT •    Guiding staff to promptly always resolve any customer complaints and maintain desired customer satisfaction. This is to ensure brand recall amongst customers and non-customers while maintaining strong brand value •    Serving as a strong middle link between Head Office and Field Staff to disseminate important information •    Providing inputs for enhance existing and suggesting new products to Head Office Teams which suit their target customers and geographies •    Supervising a cluster of 4-6 branches within his area and assisting, monitoring and supervising them on all aspects to ensure smooth conduct of business operations. •    Ensure all laid down system and processes are followed at the branch as stipulated by the Senior Management. •    Ensure that all staff are adequately trained on the Products of the company and Processes" Qualification : Post Graduate/ Graduate in any discipline