Zonal Manager - Small Business Lending - Sales

Job description

**Job Purpose** Full ownership of the verticals PL to manage area, existing client base, execution tracking of sourcings. Own end-to-end Portfolio management, relationship growth and ensuring portfolio hygiene through timely renewals, PDD compliance, and delinquency resolution. **Duties and Responsibilities** - Identify business focus and develop action plan to grow/ expand business for Small Business lending vertical and achieve set AOP targets. - Drive business growth by identifying opportunities for customer acquisition, cross-selling, and upselling of products and services - Portfolio Management: Build and manage a diversified lending portfolio, ensuring alignment with the company''s lending norms and risk appetite. - Credit Quality Assurance: Maintain a strong focus on credit quality by monitoring client accounts, identifying early warning signals, and taking appropriate actions to mitigate risks. - Market Analysis: Track market developments, analyse trends, and provide strategic feedback to the management team. - Stakeholder Coordination: Liasioning with credit/risk/ops for sourcing assessment and policy compliance. - Team Development: Participate in recruitment, hire right talent and employee retention. - Reporting and Compliance: Ensure all activities comply with regulatory requirements and internal policies. Regularly report on progress and key metrics. **Key Decisions / Dimensions** - Expanding Geography/ Adding Manpower - Product Introduction - Growth to team. RR - Exit Conversations| - Business growth - Market penetration - Attrition % - Fee income and NTB acquisition applicable **Major Challenges** - Managing deliveries/performance Vs Management expectation (AOP) - Scale size - Market Development - Ensuring credit quality - Attracting right Talent /Hiring **Required Qualifications and Experience** a)Qualifications - MBA Finance from a reputed institute b)Work Experience - Candidate needs to have overall experience of more than 10 years, of which a minimum of 5 years of experience in Business Banking role with Banks - Handling a span of 5-6 - He must have exposure in lending to MSME clients - Will be preferred candidates with exposure to Govt. backed MSME Schemes. - Fair and ability to evaluate business opportunities. - Relationship building and networking skills - Strong communications and presentation skills - Ability to get a given assignment/ job completed within the stipulated timeline