Regional Manager - Branch Business

                                                                     REGIONAL MANAGER

• Minimum 2 years experience as Sr. Area Manager or Assistant Regional Manager
• Employees in Grade – MM5 or Equivalent are only eligible to apply 
• Performance rating should be 3 and above  in the last 2 PMS cycle and not having any active DA cases.

Excellent leadership skills to manage team, achieve profitability & business targets of region. Customer acquisition, service delivery, maximising productivity, location specific targets for business development strategies to be driven by AM’s. Ensure effective marketing activities, lead generation, brand visibility, branch visits, market research and competitor analysis. Focus on operation activities like standardisation of processes and policies, interest and recovery of over dues, operational efficiency, compliance  and regulatory, administration, policy adherence & compliance.

Responsibilities 

• To lead team of 30 or more Branch Managers for achieving business targets in terms of revenue generation, operational compliance, customer acquisition & retention, quality service to customers, asset quality portfolio and collection.
• Lead and co-ordinate the team of regional corporate staff members in Business Development & Marketing, Operations &Recovery, Human Resources & Administration.
• Lead the team of Branch Managers as well as Area Managers in the region and guide them to achieve the Business targets, profitability and productivity targets as well as Operational efficacy. Innovate, plan & implement new ways & means to increase walk ins & attract new customers and retain existing ones and to convert non-BEP branches to BEP branches
• Achieve the targets of the Region for gold loans and other loan products for various quarters as well as for the financial year (FY)- ensure quality of collaterals/ ornaments pledged
• Achieve other business targets including SD and 3rdparty products for various quarters as well as FY
• Timely interest collection by branches and recovery of overdue- minimizing NPA status of accounts as well as auction of gold
• Ensuring operational efficiency of branches and ensuring systems and procedures are followed by branch staff
•  Ensuring prompt and efficient customer service by branches- prompt resolution of grievances/ customer complaints if any in the region
• Minimizing loss on account of Spurious/ Low purity and theft ornaments and efforts for recovery follow up of court cases related to these
• Prompt reporting of any fraud/ any untoward incident/ enquiry or investigation by any outside agency to HO Ops Department as well as State Head (SH) simultaneously
• Timely rectification of observations of gold inspector/ Internal auditor at branches
• Cost optimization on- control of branch expenses and control on cash/bank balances Correction of branch rentals wherever applicable and merger/ shifting of unviable branches
• Ensuring proper team building at branches, handholding BM and branch team, identify training needs and co-ordinate need-based training programs & facilitate proper marketing activities

Qualifications

• Bachelor's degree or equivalent 10+ years of experience in NBFC/Banking with Gold Loan experience

Shortlisted candidates meeting the eligibility criteria will have to undergo a panel interview and the decision of the selection panel would be final and binding.