Location Manager Retail Secured Jammu

Job Purpose

• Work withTerritory Head (Sales) ABCL on devising the location sales plan and team approach for achieving targets considering product-environmental factors competitive forces and local trends and cascade the same to the location team(s).

• Track industry and market developments scanning the local market and competitive offerings on a periodic basis.

• Oversee end-to-end location operations and performance covering all aspects such as sourcing effectiveness governance productivity channel management etc.

• Track and report on sales operations and productivity metrics and work towards building a high-performance sales culture.

• Manage day-to-day location operations and administration.

• Provide data for compile and review periodic MIS reports for disbursements profitability NPAs market expansion etc. and communicate the same toTerritory Head (Sales) ABCL as well as team members.

• Identify local business growth opportunities drive expansion and new customer acquisition initiatives to create a book of targeted size.

• Work closely with team members hand-holding critical/complex transactions to ensure favorable closure with customer satisfaction.

• Communicate sales targets and provide team members clarity on business goals role expectations product characteristics and USPs to enhance effectiveness of sales efforts.

• Track cases in the complaint tracker/escalations received liaising with relevant stakeholders as required to drive satisfactory closure.

• Deploy efforts/initiatives in consultation withTerritory Head (Sales) ABCL arising from customer satisfaction surveys and resulting NPS (Net Promoter Score) targeting identified focus areas.

• Propose and deploy approved solutions and schemes to drive sales and enhance profitability ensuring a dual focus on sales expansion and cost optimization.

• Serve as a point of escalation and manage customer complaints/grievances effectively intervening especially for key relationships.

• Drive adoption of efficient business processes/operations across the Customer Lifecycle (Sourcing Approval Servicing Collections).

• Manage local distribution across channels interfacing with senior/critical partners/stakeholders as required for smooth operations.

• Drive process efficiencies and faster TATs through interfacing with stakeholders across processes and functions (Risk Operations Sales Governance) and efficient operations.

• Drive high performance by reinforcing focus on business and sales growth objectives effective client engagement monitoring sales operations and productivity metrics and providing support and guidance as required.

• Drive the implementation of improved processes and best practices to enhance operational effectiveness productivity and overall business impact.

• Drive activities and initiatives in the team as per the Cross-Selling strategy agreed withTerritory Head (Sales) ABCL.

• Drive alignment to the adopted Cross-Selling strategy by supporting team members with requisite communication training and guidance as required.

• Guide and develop team members for enhanced customer acquisition and engagement efforts helping them achieve superior performance standards and hand-holding where required.

• Nominate teams for relevant technical and behavioral trainings/seminars and work on self-development initiatives.

• Proactively liaise with internal stakeholders for smooth cross-functional coordination and alignment toward achievement of business objectives.

• Work with the Risk Operations and Sales Governance teams to ensure adherence to risk management and control mechanisms.

• Support risk and review processes through the credit approval process and by reviewing loan sanctioning disbursement processes and documentation to ensure controlled operations.

• Review financial risk via analysis of city/location operations MIS and Data Analytics reports.

• Drive compliant Sales Operations and sound risk management via partnership with Risk Operations and Sales Governance teams along with necessary communication and guidance; drive timely PDD closures and collections.

• As part of relationship maintenance with institutional customers review reports on client accounts business performance etc. and liaise with Risk while guiding the team on delinquency cases.

• Train and guide the team for alignment with adopted early alert strategies to reduce NPA risks and losses.

• Ensure systematic MIS on NPAs and credit trends providing inputs on possible risks that could impact portfolio quality.

Required Experience:

Manager