Deputy Manager - Rural Two Wheeler Loan

Achieving & exceeding Business goals and targets for Rural Two Wheeler Loans. Managing & grooming of the team to achieve their respective targets
Achieving & exceeding Business goals and targets for Rural Two Wheeler Loans
Creating a strong & compliant sales culture to drive business.
Sales Force Management, data management and efficient use of call center leads
Dealer visit along with sales manager/FOS
Portfolio management - 99% zero bucket collections
Maintaining FEMI at 9% across location & span
Monthly 5 days location travel
Ensure teams adherence to sales governance & compliance processes
Adherence to customer delivery TAT
Ensure implementation of promotional plans & contests and suggesting new and innovating promotion plan for the area of work.
Recruiting and Retaining high performers.
Team management & Grooming of the team to achieve their respective targets
Managing the Delinquency of the business sourced to ensure health of portfolio
Excel & power point presentation knowledge & skills
Daily review with ABSM regarding projections / activity plan for the day
Reviews with ABSM on projection verses delivery daily, to spur planning for the next day
Ensures execution of the defined activity plan for customer visits by the team during the day
Assists in Collections in HTS cases for buckets X and 1, as well as higher buckets
Provides feedback to under-performing team members - seeks to understand causes, to provide timely and appropriate inputs and support
Nominates team members for reward and recognition commensurate with their achievements; Appreciates team members appropriately in internal forums as relevant
Resolves issues regarding documentations
Decides on approaching customers of risk-prone geographical areas and profiles, and to stop approaching specific profiles, based on delinquency patterns
Plans for business expansion - identifies and maps new areas, including fraud likelihoods, derives projections; Shares and discusses with branch teams and ASSCs - takes inputs to make action plans clear; Shares projections, action plans and budgets with RSM, seeking approval
Cascades finalised plans received from RSM to the team - derives aligned short-term performance benchmarks such as DRR; Plans with team to achieve them
Periodically monitors team on productivity metrics, and assists in resolving their issues; Monitors month on month productivity, WIRR, Insurance penetration, CC and CW lead penetration
Shortlists from among initial candidate lists, makes recommendations of known candidates; Conducts initial interview with shortlisted candidates, providing comments as per format, and recommendations
Reviews and discusses achievement with team periodically; Conducts mid-year and annual performance review per team member, providing feedback for their improvement

4. MAJOR CHALLENGES
(Challenges faced on an on-going basis in carrying out the job)
Team Management
Retention of front line sales force
Maintaining consistent delivery of high performance
Attrition (on roll & off roll)

Required Qualifications and Experience
Education
Graduation / MBA
Experience & Skills

Graduation with 4 to 6 years and MBA with 3-4 years of relevant experience
Demonstrated success & achievement orientation.
Strong analytical skills to drive channel performance and drive profitability
Strong bias for action & driving results in a high performance environment.
People & Relationship Management skills
Excellent Communication and Negotiation Skills
Affirmative in nature, Strong Leadership Skills, Clarity of thought and perseverance.