Ensure target is being achieved for the branches (SFB, CAT B, UBRB) under assigned cluster in unsecured loans, liabilities across assigned products
Ensure business correspondence model runs smoothly by monitoring closely for all new BC.
Ensure fee-based products like insurance remittance are served to the customers
Monitor the business growth through area manager and focus on branches where there are more shortfalls in achieving target
Ensure Portfolio quality is maintained and adherence of credit polices by the branches
Undertake initiatives to control overdue such as timely review and recovery; ensure action plan in place and it’s followed by the branches
Maintain and updates the supervisor on information about competitors in the assigned cluster
Prepare & circulate the monthly dashboard consolidated for the assigned cluster along with all the branches
Distribute and implement budget for every financial year for the branches in co-ordination with the CRMs & Area Managers
Ensure the branches under assigned cluster is being profitable and ensure the Financial budget is being met
Monitor the monthly performance evaluation of branches through the monthly CRM meeting – put in immediate control measures for non-performing branches
Develops a business plan for the areas to open new branches and ensures that Area Manager conducts area surveys and open branches in co-ordination with Admin & HR
Responsible for recruitment, training & development, performance management, communication, staff interaction, motivation/mentoring & retention of the entire team under supervision in co-ordination with HR Department.
Identify branch location as per branch opening strategy
Implementation of products pertaining to Government business
Management of all the reporting staff
Closure of Audit points and Maintaining threshold on “Needs Improvement” and “unsatisfactory” branches
Oversee and ensure efficiency in branches; Branch operations through adherence to TAT for various internal and customer end processes; drive utilization of alternate channels – Business Correspondents
Ensure compliance with banking guidelines, quality framework and audit requirements; ensure speedy resolution of any audit observations and take necessary steps to prevent recurrence.
Monitor & ensure control measure are being taken to minimize all expenses in the branches and associated CAT Bs/UBRB without compromising quality
Resolves Hard bucket over dues with the assistance of Fraud Control
Attend monthly meeting at each Area Manager level with CRMs to review the monthly performance for each CRS & branch and sets goals for the next month
Review MIS, gets feed-back from CRS & customers every month and identify problems in branches, staff and centers. Sets tasks for CRMs, Area Managers to supervise the problem areas directly and report & manage staff & field discipline issues
Ensures that Area Manager are managing the collection of each branch on a day-to-day basis and ensures the follow-up for over dues immediately, first through CRMs, then through Area Manager and then personally
To ensure adherence to minimum number of House visits and centre visits for the month
