Cluster Manager-Housing Loans

Business Financials Daily Weekly Monthly monitoring of the accomplishment of targets according to the annualmonthly targets established for the area and branches under hisher responsibility to provide guidance and solutions to hisher team as requiredAssign targets and results on daily weekly monthly basis of portfolio of risk by different categories such as days in arrears number of installment due amount within hisher region by area branch loan officer with the objective to identify tendencies and risksSupports Loan Officers in hisher area in their duties of client visits risk assessment and recovery strategies

Efficient staffing by timely recruitment trainingImplement supervise and control effectiveness of commercial strategy with hisher team to reach the productivity and growth targets establishedApprove deviations and exceptions according to policy in place

Ensure supervise the correct implementation of the credit procedures including all the respective toolsCustomer Both Internal ExternalEnsure customers are educated about all productsservices offered by UjjivanEnsure lower customer attrition by providing different products as per customer requirementFocus on lower TAT as per laid down standards Internal Process

Ensure compliance with lending guidelines quality framework and audit requirements ensure speedy resolution of any audit observations and take necessary steps to prevent recurrence audit and other regulationsMonitor health of portfolio

Sanctioning of loans according to the policy in placeEnsure supervise the correct implementation of the credit procedures including all the respective toolsDiscuss strategies and changes in terms of products capacity building procedures etcInnovation Learning

Ensure that all members of his team are up to date on all relevant circulars and all productsservices offered in the Branch Evaluate the staff competences in terms of promotion business assessment and credit risk assessment capacity and propose solutions for improvement

Ensure adherence to training mandays mandatory training programs for self and reportees

Ensure goalsetting midyear review and annual appraisal process within specified timelines for self and reportees