Location Manager Retail Secured Mandi

Branch Sales Planning & Management

• Work with Cluster Sales Head - ABFL on devising the branch sales plan and team approach for achieving targets considering product-environmental factors competitive forces and local trends and cascade the same to the branch team(s)
• Track industry and market developments scanning the local market and competitive offerings on a periodic basis
• Oversee end to end branch operations and performance covering all aspects such as sourcing effectiveness governance productivity channel management etc.
• Track & report on sales operations and productivity metrics and work towards building a high-performance sales culture
• Manage day-to-day branch operations and administration
• Provide data for compile and review periodic MIS reports for disbursements profitability NPAs market expansion etc. and communicate to Territory Head (Sales) - ABFL as well as to team members

Customer Acquisition/ Engagement

• 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 with Territory Head (Sales) ABFL arising from customer satisfaction survey and resulting NPS (Net Promoter Score) targeting identified focus areas
• Propose and deploy approved solutions and schemes to drive sales and enhance profitability ensuring 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

Operational Effectiveness

• To 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 in order to enhance operational effectiveness productivity and overall business impact

Cross-Selling across ABFSG products

• Drive activities and initiatives in the team as per Cross-Selling strategy agreed with Territory Head (Sales) - ABFL
• Drive alignment to the adopted Cross-Selling strategy by supporting team members with requisite communications training guidance etc. as required

Team and Internal Stakeholder Management

• 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 towards achievement of business objectives.

Portfolio & Risk Management

• Work with the Risk Operations and Sales Governance teams to ensure adherence to risk management and control mechanisms
• Support risk and review process through the credit approval process and by reviewing the loan sanctioning disbursement process and documentation to ensure controlled operations
• Review financial risk via analysis of city/ branch operations MIS and Data Analytics reports
• Drive compliant Sales Operations and sound risk management via partnership with Risk Operations and Sales Governance teams and 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 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