Zonal Manager - Urban Retail - Home Loan

Job Purpose:

- Plan and deliver 100% of the allocated AOP targets (Role 100 Cr/pm). Ensure allocation of leads & manage conversion percentage, deepen cross-selling within the company's franchise have an overall view of the credit, and risk matrix to build a robust portfolio to manage COA in line with Company requirements.

- Implement and enhance sales controllership Build a culture of Customer service orientation Driving business by managing the Upfront revenue penetration. Build, groom & develop business & best-in-class sales team. Deepen, strengthen & build relationships with DSA/Connectors & Builders to grow business.

PRINCIPAL ACCOUNTABILITIES:

1. Sales Planning & Review:

- Receive monthly AOP target (100 Cr) for B2C for the assigned zone (North) from Product / HO; Communicate and seek alignment on the set targets from the team (RSM, ASM, SM and PSF). Review performance of the team across set targets for the mini-month ends, closely review, Sanction Un-Disbursed (SUD)cases impacting the disbursements of the current month to manage to Track shortfalls and engage the team to meet given goals.

- To check, manage, and measure the productivity of on-roll & off role Asses quality of cases, Hiring & training of new recruits Data conversion matrix. Visit the various branch locations within the zone (9-10) to review the performance of own team and understand on-ground challenges, monitor deviations from set targets and provide course correction inputs

2. Business Development:

- Explore and develop business opportunities with the Channel Partners about upcoming new launches, future business plans, NTB Leads etc. Analyze the ticket size, location, profile, etc. and explore with Chanel Partners the potential schemes/offers that may work and provide inputs to the back-end team Engage and deepen Micro Market strategies for BT and resale business.

- Impart the job training and guide business development of the team in the field to enable them to better develop business

3. Operational alignment:

- Track the number of files logged in, sanctioned, disbursed, etc. on a daily basis; Engage with credit, risk and operations teams to resolve issues and ensure the progress of transactions, and to further align on risk and credit policies, and operational processes in line with overall business objectives

- Strengthen and streamline process execution (from log-in to disbursement) to increase the efficiency of the sales team and reduce intervention at the transaction level; Work closely with credit and risk teams for process changes and improvements. Support establishment in creating a positive brand image of brand in the market and with Channel Partners by ensuring smooth on-boarding of new relationships and their alignment

4. Team development:

- Participate in the recruitment process to identify the right talent for senior positions within the team Cascade objectives, establish individual performance expectations and regularly review the individual performance of the team Identify and create development opportunities, training, induction sessions, etc. for team members to enhance functional/ business knowledge.

Requirements & Expectations from the Role:

- The cascade of sales targets to the team

- Recommendations on schemes/offers /Policies Hiring

- Roles you need to interact with inside the organization to enable success in your day-to-day work Back-end teams (risk, credit, operations): To align on the policies and processes, design competitive schemes and offers and support the onboarding of new developers and external Clients. Roles you need to interact with outside the organization to enable success in your day-to-day work

- Channel partners(DSA/Connectors).

Work Experience

- 10-12 years of work experience

- Exposure to mortgages / real estate

- Strong experience in managing builder/ developer relationships.

Preference: Pune and Bangalore

VARIABLE - 25 % OF FIXED

6 DAYS WORKING ONLY 2ND SAT OFF

KALYANI NAGAR - OFFICE LOCATION FOR PUNE=