Zonal Sales Manager - Micro Finance

Zonal Sales Manager - Micro Finance - Baroda - Pancham Highstreet - MM

11240 Drive microfinance business in respective zones through Business correspondence channel and direct sales teams. Identifying new business potential locations with in-depth research taking input from primary and secondary sources. Engaging with potential microfinance institutions, representing TCFSL and acquire/onboard potential partners Driving business growth through identification of new market segments for achievement of periodical targets with a view to optimize sales and revenue. Leading a sales team of Regional Sales Managers and Cluster Managers to augment the Business Correspondent (BC) network of various financial institution & Direct sales channel. Managing the operations of loan products and accountable for achieving business goals and increasing sales growth Driving business growth through identification of new market segments for achievement of periodical targets with a view to optimize sales and revenue Build strategic partnerships with Universal Banks, NBFCs, NBFC-MFIs, Payment Banks, Small Finance Banks to provide an array of financial products and services for the channel partners. Business development & expansion on business correspondence alliance partners / Direct business. Managing collection team of given region & monitor the regular collection done by the team to achieve monthly collection target. Achieving Priority Sector Lending, Annual Portfolio targets, Fee income targets and ensuring portfolio quality. Monitoring fresh OD & NPA collections & settlements done by the team to achieve monthly collection target Innovate & develop retail asset products e.g. JLG Loans, Secured & Unsecured MSME Loans to suit the target customers and geographies. Sales strategies to improve market share and Identification of business potential areas / districts for expansion of region Enabling business growth by developing and managing a teams across assigned territories for deeper market penetration and reach. Assess potential client base and product acceptability in new regions, areas & opportunities for geographical expansion of operational areas and setting up new business correspondence alliance partners Ensure business growth and diversity of products in the region as per business plan Create a support function structure in line with the product requirement to facilitate the appraisal, documentation, disbursement, repayment and delinquency management Formulating Preventative / risk averse measure to maintain quality portfolio for your respective Zone. Responsible for work force planning, recruitment & training, suited to handle various asset products across geographies Ensuring staff skill development through meetings and continuous monitoring of various clusters on regular basis by identifying training needs as per the market trends and new business opportunities Maintaining resource optimisation & operational cost Responsible for handling all Compliance, Audit, Legal, Customer Service, Operations, Logistics, Admin, HR etc related issues in your region. Implementing best business practices and developing company strategies and programs while ensuring strict compliance and integrity. Experience: Min 12 yrs exp + Experience working in a NBFC, NBFC MFI, SFB or Bank At least 5 years as a Regional / Zonal Manager and in leadership role. Must be familiar about business correspondent model working with top lending institutions. Well versed with Microfinance & MSME lending compliance. Key Skills Business Acumen Business sourcing & portfolio management, Well versed with understanding of credit underwriting, Understand critical attributes of legal and governance requirements, Good acumen of technology and automation, Strategy planning and product management Qualification: Post Graduate/ Graduate in any discipline