Area Manager

Candidate needs to have Experience in Gold Loan & banking sector.

Team handling Experience and Local Language is must.

Roles and Responsibility

(Monitoring and ensuring Operational efficiency and Asset quality in branches by educating employees to adhere to systems & procedures)

1. Process adherence and Regulatory compliance: Guide and ensure proper conduct of matters relating to credit assessment, KYC adherence/data enrichment, auction, expense management, cash transit, voucher entries, updation in BRS, Key management, bank account opening, daily data backup, maintenance of records / documents / registers, closure of gold inspection/audit remarks and customer grievance, within the agreed TAT.

2. Collection Management: Ensure timely interest collection by branches and recovery of over dues as per targets, guiding branches to minimize NPA status of accounts as well as auction

3. Asset Quality and Fraud Management: Guide branches to ensure quality of the assets / collaterals / ornaments pledged; take remedial actions for loss due to spurious / low purity / theft ornaments & initiate efforts for recovery, follow up of court cases and prompt action against culprits

4. Driving business: Drive branches to achieve Business targets (existing and new products), Profitability and AUM targets m-o-m & FY; ensuring conversion of all Non BEP branches to BEP branches.

5. Monitor and Control: (i) Daily monitoring of critical parameters of Branch Score Card; (ii) Qualitative branch visits to drive, implement and facilitate business development strategies (minimum 2 visits/branch in a month)

6. Market study: Identify and assess market needs, market potential and competitor activities and develop product composition strategy to satisfy the needs of the common man; Identification of potential new branch locations

7. Lead generation: Plan and drive marketing campaigns or activities for branches to generate leads; ensure updation in Lead management module (both activity and call center lead) and effective follow up and conversion

8. Accountability: Responsible for business disbursal/transaction numbers/values and AUM targets; Responsibility for cross selling targets based on product composition decided by branches.