Regional Business Head - BFSI

1: Job Purpose Statement 

To manage overall business operations in his state and ensure that they are carried out effectively and efficiently thereby achieving desired business results.

2: Duties & Responsibilities 

For Business Development:

- Maintaining relationship with village authorities, managing local bodies and politically influential people

- Travel extensively in the state for identifying new business opportunities and potential village clusters to increase business coverage

- Develop promotional and brand building plans and get those implemented for generating leads and for enhancing market penetration

- To understand & carry out all the other responsibilities as per the instruction by the company

For Portfolio Health:

- Ensuring good quality loans.

- LTC Evaluation & PDC control

- Ensuring low NPA's in the region

- Counseling defaulters to make timely payment of EMI- s

- Ensuring timely collection of the EMI- s

- Ensuring profitability of the states through effective cost control and AFC collection by State

For Process improvement and Adherence:

- Verifying files where subsequent disbursement request are not forthcoming.

- Conducting random verification of properties financed during branch visits

- Monitoring proper documentation of loan files of the region as per the 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 allocated state and ensure that the team adheres and follows those

For Customer Satisfaction:

- Attending and redressing customer grievances on timely basis

- Ensuring speedy disbursals of Home Loans

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 the state 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.

3: Organizational Relationship 

Managing Director

Regional Business Head

4: Key Challenges 

- Controlling attrition

- Keeping the team motivated and guiding them.

5: Decision Making Authority 

- Which areas to penetrate in

- Where and how to allocate resources

- Recruiting staff

6: Job Requirements

Professional Qualification

- Graduate/Post Graduate with minimum 8 years of experience

- Good Interpersonal Skills.

- Decision Making

- Communication

- Team Handling

- Analytical Ability

- Strategic Business Orientation

- Leadership through Sustainability

- Customer Focus

- Innovation Led Transformation

- Result Orientation with Execution Excellence

- Leveraging Human Capital

- Weaving Passion and Energy at Work