Regional Business Manager- Working Capital
Published date: 2024/01/10
- Location: Ahmedabad, Gujarat, India
I. 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)
o Ensure customers are educated about all products/services offered by Ujjivan.
o Ensure lower customer attrition by providing different products as per customer requirement.
o Focus on lower TAT as per laid down standards.
• Internal Process
o 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.
o Monitor health of portfolio
o Ensure, supervise the correct implementation of the credit procedures including all the respective tools
o Discuss strategies and changes in terms of products, capacity building, procedures etc.
• Innovation & Learning
o Ensure that all members of his team are up to date on all relevant circulars and all products/services offered in the Branch
o Evaluate the staff competences in terms of promotion, business assessment and credit risk assessment capacity and propose solutions for improvement
o Ensure adherence to training man-days/ mandatory training programs for self and reportees
o Ensure goal-setting, mid-year review and annual appraisal process within specified timelines for self and reportees
o Monitor performance of staff against defined goals/metrics and take corrective action wherever required; undertake disciplinary and attendance monitoring of the team.
• MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS
• 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)
o Ensure customers are educated about all products/services offered by Ujjivan.
o Ensure lower customer attrition by providing different products as per customer requirement.
o Focus on lower TAT as per laid down standards.
• Internal Process
o 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.
o Monitor health of portfolio
o Ensure, supervise the correct implementation of the credit procedures including all the respective tools
o Discuss strategies and changes in terms of products, capacity building, procedures etc.
• Innovation & Learning
o Ensure that all members of his team are up to date on all relevant circulars and all products/services offered in the Branch
o Evaluate the staff competences in terms of promotion, business assessment and credit risk assessment capacity and propose solutions for improvement
o Ensure adherence to training man-days/ mandatory training programs for self and reportees
o Ensure goal-setting, mid-year review and annual appraisal process within specified timelines for self and reportees
o Monitor performance of staff against defined goals/metrics and take corrective action wherever required; undertake disciplinary and attendance monitoring of the team.
• MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS
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