JOB DESCRIPTION

Job Purpose / Summary:

Drive the growth and profitability of the business loan portfolio within the assigned periphery by effectively managing sales, customer relationships, and operational aspects. This involves achieving sales targets, building a high-quality loan portfolio, and ensuring the efficient and profitable management of the portfolio.

Duties and Responsibilities:

· Having a strong understanding of loan products, including business loans, and providing guidance to the team on product features and benefits

· Create and execute plans to attract new customers and retain existing ones.

· A deep understanding of loan products and the ability to assess customer needs.

· Tracking team progress and providing feedback to improve sales results.

· Cross functional co-ordination with credit team to support sales effort.

· Responsible for the timely & accurate submission of daily, weekly & monthly reporting.

· Monitoring the performance of the loan portfolio, including tracking delinquencies and ensuring timely repayments.

· Travelling across the assigned Division as per Business Needs.

Experience / Skillset / Certifications Required:

· Educational Qualification - Bachelor’s / Post Graduate Degree

· Relevant Job Experience - 7-9 years of exposure in the banking or financial industry with expertise into Unsecured/Secured Business Loan, knowledge of CC/OD and team management. Responsible for achieving sales targets, managing teams of Area Managers and Relationship Officers.

· Functional Skills – Having sound knowledge of Unsecured/Secured Business Loan Product. Handling a team size of 50+ and ticket size of 25lacs and above.

· Overall Skills –

v Good communication skills

v Leadership & Team Management

v Conflict Resolution

v Analytical Thinking

v Customer centricity

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