Zonal Business Manager - AHL & Mortgages Segment - Housing Finance Business - East Zone

Zonal Business Manager (ZBM) is responsible for spearheading and developing the business volume & profitability of the zone along with managing resources, risk and return for the key zone through prudent portfolio management practices, multi-product approach within audit & compliance requirements; with a focused approach on building affordable leadership in the zone.

ROLE EXPECTATIONS :

- Manage P&L & OPEX of the zone through growth in volume of business, expansion in affordable market and overall profitability

- Create demand through building networks with local panchayats, rural municipal bodies, channel partners, etc. for a wider penetration for growth of affordable business

- Planning the targets for login, sanction, disbursement, distribution & collections through the branch teams and ensuring the targets are met

- Drive a knowledge culture by continuous training of the branch teams through learning hour's, Q& A sessions, etc. in order to resolve the issues and provide solutions

- Managing relationship with crucial external partners with key NDMA partners, I Bank state heads and other external stakeholder which majorly impact business

- Creating focused channel and product strategies catering to the customers within the geography

- Ensuring loan sanction and disbursement is as per defined policies and procedures

- Ensuring smooth customer onboarding process, optimum credit quality for the accounts and reduction in delinquencies for the zone

KEY SKILLS :

- Should have managed significant disbursement in line with the current disbursement value for the zone

- Is well-versed with the geography, market competitors and market opportunities

- Knowledge of legal proceedings (Sarfaesi, Sec 138 ,etc.)

- Agile approach with an ability to work in a matrix structure and multi-product business setup

- Excellent relationship management, strong analytical and effective communication skills