Territory Business Manager - Gold Loan (3-5 yrs)

Responsibilities:

- Business Development: Drive revenue generation by implementing effective sales and retention strategies to achieve AUM targets in the territory.

- Operations Management: Oversee and ensure smooth day-to-day operations of the branch, adhering to operational guidelines and compliance standards.

- Recruitment of Frontline Employees: Identify staffing needs, recruit talented individuals, and build a high-performing team of frontline employees.

- Training and Nurturance: Provide training, mentoring, and ongoing support to frontline employees to enhance their skills, product knowledge, and customer service abilities.

- Risk and Audit and Compliance Adherence: Implement risk management protocols, ensure compliance with internal policies and external regulations, and conduct periodic audits to maintain a secure and compliant environment. Ensure adherence to regulatory and compliance requirements at all times, maintaining the highest standards of ethical conduct.

- Liaising with Lending Partner Banks: Foster strong relationships with lending partner banks, collaborate on business strategies, and ensure seamless communication and cooperation.

- Cross-Selling of Third-Party Products: Identify opportunities for cross-selling various third-party products to customers, increasing revenue and enhancing the customer experience.

- Building Rupeek Business Partners and DSA Channel: Establish and nurture partnerships with local businesses and develop a robust DSA channel to drive business growth.

- Reporting and Analysis: Prepare regular reports on business performance, monitor key metrics, analyze trends, and make data-driven decisions to improve operational efficiency and effectiveness.

Ideal Persona:

- Should be a graduate or above in any stream.

- Minimum 4 years of experience in sales and operations management, with at least 2 years in a team-leading role.

- Candidates from BFSI/Fintech/Telecom would be an ideal fit

- Strong background in the BFSI lending business is highly preferred.

- Proven track record of achieving sales targets and driving business growth.

Essential Skills:

- Excellent leadership and team management skills, with the ability to motivate and inspire a diverse team.

- In-depth knowledge of loan products, lending processes, and regulatory frameworks.

- Strong analytical and problem-solving abilities, with a keen eye for detail.

- Excellent communication, negotiation, and relationship-building skills.

- Ability to work in a fast-paced, target-driven environment and adapt to changing market conditions.

- Demonstrated ability to handle multiple priorities and meet deadlines effectively.

- Ability to do demand generation in the market and build offline channels.

- Should be good at relationship management across various stakeholders (Customer, Channel partner, Internal team, cross functional)

- Local language proficiency and geography knowledge are preferred.