Branch Manager - Retail Sales for Housing Loans

·          To drive sales and ensure business targets are achieved for the assigned area

Core Responsibilities:

Branch Process Management

o    Execute the defined strategy to achieve the defined performance of the branch.

o    Create a demand funnel and efficiently meet sales forecasts by maintaining a good relationship with clients

o    Manage growth and profitability of the branch by maintaining competitive knowledge so as to create and adjust sales strategies

o    Expand and retain the company's base of customers for affordable home loans by developing and maintaining strong liaisons with the clients/channel partners for repeat business or referrals while also ensuring they are part of our future projects.

o    Build and develop a defined source mix comprising of direct and indirect sourcing channels.

o    Capitalize on business opportunities, builder tie ups, and plan and monitor joint promotional activities with developers.

o    Facilitate the development of new locations as per targets so as to penetrate new markets and thereby increase business

o    Ensure smooth functioning of the lending process at the various stages such as inquiry, application, verification, pre-sanction processing of loan, sanction, post-sanction documentation, disbursement of loan, collection, new and existing customer service.

o    Manage post-sales customer/channel partner escalation.

o    Co-ordinate and supervise all key departments internally and strategies the road map for lending products.

o    Managing branch operating costs including cost of acquisition, expenses and operations.

o    Closely monitors the quality of book ensuring minimum delinquency at the branch level.

o    To support the appropriate closure of stress accounts and move them out of the portfolio by collaborating with collections team.

Team Management

o    Optimize and closely monitor team productivity by effectively managing the team of sales managers so as to assure achievement of business targets and profitability of the area

o    Collaborate effectively with departments including Channel partners.

o    Lead and supervise the SM & RM team by support through appropriate hiring, training, reward and recognition.

o    Responsible for the overall administrative functioning of the branch.

o    Ensure active distribution span of control is maintained at the branch level as per norms.

  Industry & Governance

o    Constantly keep abreast of market trends and competitor intelligence so as to build and develop effective sales and marketing strategies

o    Ability to establish internal controls for legal compliance and conduct periodic audits to detect non-compliance & frauds and devise actions for correction and prevention.

o    Ensure a strong understanding of the markets / competition / process and products available in the markets and provide positive feedback to the central product and policy team to stay ahead in the market.

o    Ensure compliance to all Audit / NHB regulations as well as policies and procedures of the company.

Qualification: Graduate