Zonal Sales Manager - MFB - Ranchi - Bansal Plaza - MM
Tata Capital · Ranchi
- Driving business growth through identification of new market segments for achievement of periodical targets with a view to optimize sales and revenue.
- Leading a sales team of Regional Sales Managers and Cluster Managers to augment the Business Correspondent (BC) network of various financial institution & Direct sales channel.
- Managing the operations of loan products and accountable for achieving business goals and increasing sales growth
- Driving business growth through identification of new market segments for achievement of periodical targets with a view to optimize sales and revenue
- Build strategic partnerships with Universal Banks, NBFCs, NBFC-MFIs, Payment Banks, Small Finance Banks to provide an array of financial products and services for the channel partners.
- Business development & expansion on business correspondence alliance partners / Direct business.
- Managing collection team of given region & monitor the regular collection done by the team to achieve monthly collection target.
- Achieving Priority Sector Lending, Annual Portfolio targets, Fee income targets and ensuring portfolio quality.
- Monitoring fresh OD & NPA collections & settlements done by the team to achieve monthly collection target
- Innovate & develop retail asset products e.g. JLG Loans, Secured & Unsecured MSME Loans to suit the target customers and geographies.
- Sales strategies to improve market share and Identification of business potential areas / districts for expansion of region
- Enabling business growth by developing and managing a teams across assigned territories for deeper market penetration and reach.
- Assess potential client base and product acceptability in new regions, areas & opportunities for geographical expansion of operational areas and setting up new business correspondence alliance partners
- Ensure business growth and diversity of products in the region as per business plan
- Create a support function structure in line with the product requirement to facilitate the appraisal, documentation, disbursement, repayment and delinquency management
- Formulating Preventative / risk averse measure to maintain quality portfolio for your respective Zone.
- Responsible for work force planning, recruitment & training, suited to handle various asset products across geographies
- Ensuring staff skill development through meetings and continuous monitoring of various clusters on regular basis by identifying training needs as per the market trends and new business opportunities
- Maintaining resource optimisation & operational cost
- Responsible for handling all Compliance, Audit, Legal, Customer Service, Operations, Logistics, Admin, HR etc related issues in your region.
- Implementing best business practices and developing company strategies and programs while ensuring strict compliance and integrity.
Experience:
- Min 12 yrs exp + Experience working in a NBFC, NBFC MFI, SFB or Bank
- At least 5 years as a Regional / Zonal Manager and in leadership role.
- Must be familiar about business correspondent model working with top lending institutions.
- Well versed with Microfinance & MSME lending compliance.
Key Skills
- Business Acumen Business sourcing & portfolio management,
- Well versed with understanding of credit underwriting,
- Understand critical attributes of legal and governance requirements,
- Good acumen of technology and automation,
Strategy planning and product management
Qualification: Post Graduate/ Graduate in any discipline
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