State Business Manager-Mortgage
- Fullerton
- 7 to 12 Yrs
- Other Karnataka
- 4 years ago
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Job Description
Dear Candidate,
Greetings!
Hiring for State Business Manager-Mortgage for Karnataka Location
Interested can share CV on Is******n@fu***********a.com
Job Specification:
- Prefer Male Candidates
- 12+ experience in mortgage products
- 400+ people handling
- Anywhere from Karnataka
- Domain Knowledge: Rural Market Knowledge, Network with the local community and Opinion Leaders
- Any specific specialization/education: Graduate
Job Responsibility:
- 100cr + portfolio management
- State product topine delivery
- State Portfolio Performance.
- Productivity of Branches.
- Growth in contribution on volume and revenue to the overall business
- Growth in area covered
- Expansion in state.
- Customer Care Programs within the Area
- Attending customer queries & resolution in TAT
- New Customer acquisition and attrition.
- Attrition Voluntary / Involuntary
- No. of people groomed to the next level.
- Audit Rating
- No. of exceptions raised due to branch quality check
- Periodically reviews CGTs and GRTs.
- Educates the Branches on necessary and un-necessary expenditure with an eye on the PBT of the branch.
- Periodically reviews the insurance claim process and ensures the claim process is duly adhered to.
- Undertakes measures to increase growth in volume and contribution of the Area to overall business of Rural.
- Plans and implements customer care programmes regularly.
- Plans activities to ensure growth of business and therefore market share.
- Ensures all the Units have adhered to all statutory norms and escalates as and when any issues surfaces
- Takes the lead to address any customer complaint and ensures resolution.
- Takes a periodic review on customer attrition and reasons for the same.
- Identify and analyze risks (economic, social, political, etc) related to broader loan portfolio; ensure portfolio diversification and quality across activities and Area
- Takes a lead in delivering programmes as and when required.
- Takes the lead in grooming employees to the next levels
- Does a periodic check on cash reconciliation.
- Does a regular check on attrition and reasons responsible for them.
- Tracks all the high performers and provides the necessary inputs to ensure they grow further similarly tracks the underperformers and provides inputs to ensure they grow further.
- Coaches Unit Managers / CBMs in analyzing reasons behind drop-out rates and identifying techniques to reduce drop-out problems.
- Is fair and objective while dealing with all employee related issues.
- Continuously upholds and communicates importance of Integrity and Discipline in the branch.
- Understands and Uses technology and the system tools for smooth & effective dis-emination of process & lacunae in functioning.
- Responsible for infrastructure of FICCL and its maintenance
- Responsible for daily reporting of business and performance to the State Business Head.
- Through periodic reviews ensures adherence to processes so as to meet the audit requirements.
- Periodically audits files during month end to ensure there are no exceptions raised and FTR score is as per norms.
- Build network within community.
- Ensures organizing of community care programmes.
- Relationship building with local association, trade association heads.
- Helps build brand through excellent personalized services and displaying top level business ethics and conduct.
- Ensure technology is put to maximum use.
- Plans and provides direction on various products and functioning to the cluster.
- Monitors plan to result every month.
- Anticipates and uses data to ensure resolutions / escalate problems where ever.
- Co-ordinates with various support functions to ensure smooth working relationship.
- Upholds the values and principles of the company.
- If given POA plays the role effectively and with sincerity.
- Develops, Assimilate & Disseminate tools for smooth & effective functioning of the state.
- Analyze and document business processes and problems. Develop business solutions to enhance efficiencies.
- Responsible for infrastructure of FICCL and its maintenance
- Responsible for daily reporting of business and performance to the State Business Head.
- Devise non monetary forms of recognizing employees.
- Active involvement in disseminating of Company Code, Values and policies generically impacting employees in general.
- Be thorough on all incentive policies and ensure dissemination of the changes / revision besides refreshing the incentive policies to all employees.
- Tracks all employees earning incentives and keeps a check on the trend of those not earning as well.
- Analyze reasons for attrition, non-hiring and facilitating short term and long terms solutions.
- Actively involve and facilitate investigations, with decision taken complying to the disciplinary grid and being fair.
- Set up various forums for all the employees to voice their concerns and ensure early redressal of the same.
Regards,
Team HR
Employement Category:
Employement Type: Full timeIndustry: Banking / Financial Services
Role Category: Sales / BD
Functional Area: Not Applicable
Role/Responsibilies: State Business Manager-Mortgage
Contact Details:
Company: Fullerton India CreditLocation(s): Other Karnataka
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