Hinduja Housing Finance - Regional Head - Business

Key skill : LAP, Housing Finance, BFSI, NBFC, Microfinance

1. Principal Accountabilities:

Business : Achieve Regional targets by reaching out and tapping the full potential of the targeted customer segment within the specified area.

Sourcing : Achieve revenue targets by driving the Sales Officers / Cluster Managers and ensuring that the sales process is followed in letter & spirit (Productivity, Yield, Market Share and compliance to credit policy)

 Collections : Achieve NIL overdue month on month and course correct exceptions based on EWS.

Operating costs : Maintain expenses within Budgeted limits for the region

 MIS : Collate and share market information, customer insights & performance parameters in specified formats on a regular basis.

Performance Review : Conduct weekly/monthly/quarterly review of individual / Cluster performance and take corrective actions.

Marketing Initiatives : Develop and implement effective marketing activities to improve revenue by enhancing customer experience/retention.

Team Management : Recruit, train, motivate, mentor and review performance of Sales Officers / Cluster Managers & other support staff.

 Rewards and Recognition : Identify excellent performers / achievers and recommend them for annual awards/immediate recognition.

Value, contribution & market share objectives: Evolve & operationalize sales plan to achieve value, contribution and market share targets and per HHF

Channel Management : Assessment & Appointment of right Dealers & Distributors after thorough screening, activating low performing Dealers and unlocking certain key counters etc.

Pricing & Sales Hygiene : Take decisions on trade margins for different channel partners

b) Ensure adherence to credit norms & receivables norms as per policy and take corrective/ preventive actions where necessary.

 Business Intelligence : Monitoring market & competition and provide timely feedback, Identifying & quantifying new markets and Provide inputs based on analysis of sales data to other functions & overall business plan.

2. Person Profile :

Educational Qualification : Post Graduate

Experience : 10-15 years, 8 to 10 years of experience in LAP/Housing Finance Industry.

Specific Skills :

- Should be able handle Business and collections through the team.

- Should identify locals references to source business and also facilitate collections

- Confidence.

- Perseverance.

- Analytical abilities

- Patience.

- Excellent interpersonal skills.

- Commercial awareness.

- Numerical skills.