Regional Sales Head - Home Loan - NBFC (12-18 yrs)

For Business Developments:

- Identifying business opportunities and potential clusters to increase business coverage.

- Planning and effectively deploying all resources for optimum business growth.

- Guiding the team to effectively plan, implement plans and review operations for corrective action.

- Developing promotional and brand building plans and get those implemented for enhancing market penetration.

- Identifying potential tie-ups and implementing joint program for business growth

- Maintaining relationship with branch networks, local bodies and other influential stakeholders

- Suggest new product ideas/ process improvements

For Portfolio Health:

- Ensuring good quality loans by setting up robust process mechanism through Territory Managers & Branch Heads.

- Analyzing causes of non repayment and suggesting and/ or implementing course corrections (including changes in credit policy etc)

- Ensuring low NPA's in the region by ensuring quality business and stringent follow up for cases assigned to his team

- Counseling and motivating business team all across to help achieve quality business targets.

- Co-ordinating with collections vertical for timely collections.

- Ensuring profitability in the region.

For Process Improvement and Adherence:

- Supervising market research efforts to identify process or product lacunae geared towards superior customer satisfaction/ new products/ etc.

- Conducting random verification of properties financed during branch visits

- Monitoring adherence of process laid down as per norms and regulatory requirements are being adhered to.

- Ensure to maintain monthly and quarterly reports and records.

- Manage effective Product & Process Improvement through constant process development.

- Implement policies and procedures in all states and ensure that the team adheres and follows those.

For Customer Satisfaction:

- Participating in all interventions which are directly and indirectly related to CAPs score.

- Ensuring employees attending and redressing customer grievances on timely basis

- Ensuring speedy disbursals of Home Loans by creating and implementing process improvement at various levels.

For Employee Development and Engagement:

- Guiding and Motivating team to deliver performance.

- Regularly reviewing and monitoring performance of the team members

- Timely connecting with the employees to ensure their involvement and engagement.

- Manage attrition in all the states and implement measures to reduce attrition

- To ensure timely Recruitment of employees as per the manpower budget

- To ensure mentoring of the new joinees and impart training for functional & behavioral needs.