Lead - Bharat Mortgages/Senior Lead - Bharat Mortgages

An effective communicator with exceptional relationship management skills with ability to relate to people at all levels of business and management. This role requires to work collaboratively in a multi-disciplinary team environment; Establishes and maintains professional networks with subject matter experts. This role requires to track & maintain business profitability by ensuring all metrics are in control so as to achieve the business target. This role requires to drive the change management in the business.

Duties and Responsibilities
1. BL Channel Management
Build and execute monthly plan of BL-Direct & BL-secured sourcing channels (Inbound, call center, marketing channels, e-referral and PSF as caller) along with the campaign, call center and marketing teams.
These channels contributes 80% of the BL-Direct business volume on monthly basis from these channels.
2. BL Offer Management
Closely work with the BIU and Risk teams for new/existing data understanding and offer creation based on various analytics models.
Work on increasing the contribution of offers in BL-Direct business volume.
Along with the Risk and BIU team continuously review and optimize retention program for Business Loans based on the ML and heuristic models.
Continuously track the performance of the offers conversion at call center and psf level to improve the offer accuracy
BL-Secured approval propensity model
3. P&L Management
Manage monthly P&L of BL- ALL.
Along with the finance team build ANNUAL PROJECTS and LONGER PROJECTS FOR BUSINESS P&L.
Work on centralized income lines like AMC.
4. SME Projects
Actively contribute in SME LONGER PROJECTS FOR BUSINESS and ANNUAL PROJECTS. Work on defining the projects from LONGER PROJECTS FOR BUSINESS to ANNUAL PROJECTS.
Build and execute BL-ALL ANNUAL PROJECTS strategy.
5. DSA Managment
Ensure timely and smooth onboarding of DSA
Monthly DSA Payout calculation and timely payment to the DSA
6. Change Management
Drive 3in1 downloads by leveraging different channels like SMS, RCS, Call Center and Field team.
Create user journeys for New Car Finance customers on the 3in1 app along with the COE and 3in1 team.
Build Customer engagement framework on the 3in1 app
Define and build the New Car Finance specific use cases for Salesone App along with the COE and IT team
Drive adoption of SaleOne app.
7. Team Management
Directly manage New Car Finance Product team.

Key Decisions / Dimensions
Decisions related to P&L management
Projects, process changes etc.
Sales promotion budget allocation
Offer allocations

Major Challenges
Major System issues and TAT for its resolution.
Offer efficiency
Frequent system changes.
Roll out of new system enhancement / customer communication across various channels.

Required Qualifications and Experience
Qualifications
a) Graduate / Post Graduate
Work Experience
a) Work Experience - 5 to 8 years of relevant experience
b) Result oriented - Go getter attitude is must
c) Should have collaborative work style to engage with peers & colleagues across the company.
d) Excellent Team management & Interpersonal Skills.
e) Excellent command over communication skills.
f) Highly ambitious & self-motivated