Location Manager - Retail - Secured - Mandi

Job Purpose

Job Purpose Description

Branch Sales Planning & Management

Work with Cluster Sales Head - ABFL on devising the branch sales plan and team approach for achieving targets, considering product-environmental factors, competitive forces and local trends, and cascade the same to the branch team(s)Track industry and market developments, scanning the local market and competitive offerings on a periodic basisOversee end to end branch operations and performance, covering all aspects such as sourcing, effectiveness, governance, productivity, channel management, etc.Track & report on sales operations and productivity metrics, and work towards building a high-performance sales cultureManage day-to-day branch operations and administrationProvide data for, compile and review periodic MIS reports for disbursements, profitability, NPAs, market expansion, etc. and communicate to Territory Head (Sales) - ABFL as well as to team members

Customer Acquisition/ Engagement

Identify local business growth opportunities, drive expansion and new customer acquisition initiatives to create a book of targeted sizeWork closely with team members, hand-holding critical/ complex transactions to ensure favorable closure with customer satisfactionCommunicate sales targets and provide team members clarity on business goals, role expectations, product characteristics and USPs to enhance effectiveness of sales effortsTrack cases in the complaint tracker/ escalations received, liaising with relevant stakeholders as required to drive satisfactory closureDeploy efforts/ initiatives in consultation with Territory Head (Sales) – ABFL, arising from customer satisfaction survey and resulting NPS (Net Promoter Score), targeting identified focus areasPropose and deploy approved solutions and schemes to drive sales and enhance profitability, ensuring dual focus on sales expansion and cost optimizationServe as a point of escalation and manage customer complaints/ grievances effectively, intervening especially for key relationships

Operational Effectiveness

To drive adoption of efficient business processes/ operations across the Customer Lifecycle (Sourcing, Approval, Servicing, Collections)Manage local distribution across channels, interfacing with senior/ critical partners/ stakeholders as required for smooth operationsDrive process efficiencies and faster TATs through interfacing with stakeholders across processes and functions (Risk, Operations, Sales Governance) and efficient operationsDrive high performance by reinforcing focus on business and sales growth objectives, effective client engagement, monitoring sales operations and productivity metrics, and providing support and guidance as requiredDrive the implementation of improved processes and best practices in order to enhance operational effectiveness, productivity and overall business impact

Cross-Selling across ABFSG products

Drive activities and initiatives in the team as per Cross-Selling strategy agreed with Territory Head (Sales) - ABFLDrive alignment to the adopted Cross-Selling strategy by supporting team members with requisite communications, training, guidance, etc. as required

Team and Internal Stakeholder Management

Guide and develop team members for enhanced customer acquisition and engagement efforts, helping them achieve superior performance standards and hand-holding where requiredNominate teams for relevant technical and behavioral trainings/ seminars and work on self development initiativesProactively liaise with internal stakeholders for smooth cross-functional coordination and alignment towards achievement of business objectives.

Portfolio & Risk Management

Work with the Risk, Operations and Sales Governance teams to ensure adherence to risk management and control mechanismsSupport risk and review process through the credit approval process and by reviewing the loan sanctioning, disbursement process and documentation to ensure controlled operationsReview financial risk via analysis of city/ branch operations MIS and Data Analytics reportsDrive compliant Sales Operations and sound risk management via partnership with Risk, Operations and Sales Governance teams, and necessary communication and guidance; drive timely PDD closures and collectionsAs part of Relationship Maintenance with institutional customers, review reports on client accounts, business performance, etc. and liaise with Risk while guiding team on delinquency casesTrain and guide the team for alignment with adopted early alert strategies to reduce NPA risks and lossesEnsure systematic MIS on NPAs and credit trends, providing inputs on possible risks that could impact portfolio quality