Job Role:Geography Head- Home Loan SalesKey Responsibilities:Responsible for establishing the Piramal brand by overseeing the sales and business development activities for home loans in the affordable /mass affluent segment for all branches in purview. Design the Business development strategy in consultation with the Zonal Head, identifying revenue generation targets for the region and revenue objectives for respective districts in support of national objectives. Responsible for driving branch profitability, new channel development and design of localised products. Drive business development for the entire region to meet geography sales financial objectives by preparing regional implementation plan; scheduling expenditures; analyzing variances; initiating corrective actions. Present the performance metrics of the region to the senior management on a periodic basis Monitor the loan book, product mix, yield, quality of the portfolio and other business metrics for the region and provide guidance to area sales managers for course correction. Coordinate and liaison with other function heads to drive requisite business metrics in the region and provide feedback on product offerings, channels and processes to the heads of functional teams (Product, Marketing, credit, operations, technical, legal) so as to identify opportunities for improvement. Monitor region specific regulatory compliances and collaborate with internal and external stakeholders to manage state authorities. Oversee the implementation of marketing, advertising and promotional planning in collaboration with the marketing team for region specific customizations. Conduct regular visits to locations within the region to understand the on-ground realities and guide the local teams on how best to leverage the opportunities, in line with the Organizational goals. Evaluate market trends and best practices prevalent in the industry and share insights with teams to plan and undertake measures for expansion of the business within the geographic limit of the region. Oversee implementation of SOPs and best practices across all branches mapped to the region and guide area sales managers how to best achieve business targets and manage productivity Monitor annual budgeted expenses and manage resources within budgetary guidelines according to company policy. Collaborate with Area sales managers to minimize audit deviations. Guide the Area Sales Managers to drive business growth in the region through effective team management of both internal sales team comprising of Sales Managers and DSTs and channel partners. Mentor and guide the teams for attainment of set targets and adherence to company’s processes, rules and regulations. Assess the training and development needs of the team and collaborate with the relevant stakeholders.Key Performance Indicators:Disbursement numbers and value High yield Business sourcing - login and channel recruitment Channel activation Audit Scores and compliance monitoring Team productivity and participation Employee retention and engagement Training and development of the team and channel partners Maintaining portfolio quality Customer service scoreCore Competency:Strong Management and Leadership Skills -Lead by example with good team management skills. Execution & Delivery -Takes ownership providing timely and result oriented solutions with operational excellence. Accountability -Responsible for the tasks assigned under the ambit of the key responsibilities of the role and additionally for any dependencies with cross functional teams. Team - Work & Collaboration -Fosters a culture of trust, collaboration and support. Effective Communication -Communicates timely and responsively with clarity and effect (both verbal and written). Seeks and provides feedback. Innovation –Self driven and encourages others to actively look beyond boundaries for new insights and opportunities for success. Customer Service Orientation -Identifies and anticipates customer needs and responds to them by maintaining long term relationships.EssentialE xperience/Skills:10-15 years of experience in a mid-sized HFC or NBFC. Demonstrated track record of building teams, channel and disbursements in affordable /mass affluent segment. Exposure to digital lending process in housing loans preferred. Experience of recruiting and training of sales team and channel partners. Experience of managing multiple branches with deep knowledge and understanding of the respective geographies. Excellent written & verbal communication skills. Knowledge of compliance regulations as issued by NHB, RBI etc.Essential Qualifications:Graduate from an accredited college Post Graduation desired
Job Title
Geography Head- Housing Finance