Regional Business Manager - Working Capital - Bank

Company: A Leading Private sector Bank

ROLE PURPOSE & OBJECTIVE :

1. This is an important position that will drive this business in the respective Region. The position is responsible for overall growth and success of the Working Capital business in the Region.

2. In coordination with the branch, credit & product teams, identifies suitable branches and locations for MSME business and gets the locations activated. Ensures proper goal setting, resource planning, marketing and sourcing of MSME business.

3. Built efficient team of Clusters in the Regions assigned.

4. Oversees the performance of the MSME Working Capital portfolio of his/her Region and branch in terms of growth (amount and client base) and productivity of team by guiding them and carrying out constructive reviews of their performance

5. Overall responsible for the control and recovery of loans in his/her region, risk assessment and recovery strategies.

6. Own the P&L for the Region for WC business and ensure the P&L goals are met.

7. Portfolio management and meets the expectation of allocated targets.

8. Work closely with product and marketing team to drive suitable branding and marketing activities in his/her respective Regional.

KEY DUTIES & RESPONSIBILITIES OF THE ROLE :

Business/ Financials :

- Daily/ Weekly /Monthly monitoring of the accomplishment of targets according to the annual/monthly targets established for the Region and branches under his/her responsibility to provide guidance and solutions to his/her team as required

- Assign targets and results on daily, weekly, monthly basis of portfolio of risk by different categories such as days in arrears, number of installment due, amount within his/her region by cluster, branch, relationship manager with the objective to identify tendencies and risks.

- Supports Relationship manager- in his/her area in their duties of client visits, risk assessment and recovery strategies

- Efficient staffing by timely recruitment & training

- Implement, supervise and control effectiveness of commercial strategy with his/her team to reach the productivity and growth targets established.

- Approve deviations and exceptions according to policy in place.

Customer (Both Internal & External)

- Ensure customers are educated about all products/services offered by Ujjivan.

- Ensure lower customer attrition by providing different products as per customer requirement.

- Focus on lower TAT as per laid down standards.

Internal Process :

- Ensure compliance with lending guidelines, quality framework and audit requirements; ensure speedy resolution of any audit observations and take necessary steps to prevent recurrence audit and other regulations.

- Monitor health of portfolio

- Ensure, supervise the correct implementation of the credit procedures including all the respective tools

- Discuss strategies and changes in terms of products, capacity building, procedures etc.

Innovation & Learning :

- Ensure that all members of his team are up to date on all relevant circulars and all products/services offered in the Branch

REQUIREMENTS OF KNOWLEDGE & SKILLS :

Educational Qualifications : An MBA or equivalent / CA

Experience : An MBA or equivalent / CA with 8-12 years and for others 12-15 years with 8 years relevant experience sales and documentation of loans of which at least 5-6 years in MSME Working Capital business- OD/CC/WCTL/BG. Mixed experience of Sales & Credit is acceptable, but should be predominantly in sales