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Key Responsibilities:

Business Generation:

Drive the business growth objectives by setting and achieving targets for across the cluster.

Identify new business opportunities, territories, and markets for expansion.

Work closely with marketing and product teams to devise strategies for product promotion and visibility.

Channel Network Expansion and Management:

Establish and expand an elaborate network of Direct Selling Agents (DSAs) and Connectors.

Regularly engage withthe DSAs and Connectors to ensure optimum productivity.

Portfolio and Collection Management:

Ensure timely collections and minimize non-performing assets (NPAs).

Analyse portfolio performance, identify risks, and devise strategies to mitigate them.

Ensure adherence to the company's credit policy and maintain the desired portfolio quality.

Customer Service:

To ensure that all branches provide pre and post sales service to the customers within the specified TAT in accordance with company guidelines. Ensure highest level of Customer Satisfaction and engagement.

Leadership and Team Management:

Lead, motivate, and guide Branch Business Managers and their respective teams to achieve their targets and maintain performance                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                standards.

Coordinate and facilitate regular training sessions for skill enhancement and product knowledge.

Address and resolve any personnel or operational issues that arise within the cluster.

Stakeholder Management:

Build and maintain relationships with key stakeholders including customers, local authorities, and other business partners.

Collaborate with central support teams such as credit, operations, and risk management to ensure seamless functioning of the cluster.

Operational Excellence and Compliance:

Ensure that all Branches and the Cluster achieve their targets set across specified parameters related to Business Generation, Collection and Portfolio Management, Operational Efficiency and Customer Service.

Ensure that all branches under the cluster are compliant with regulatory norms and internal policies.

Oversee administrative tasks such as resource allocation, process implementation, and infrastructure management.

Reporting and Analysis:

Prepare and present periodic performance reports to senior management.

Stay updated of market trends, competitor strategies, and regulatory changes to shape future business strategies.