Roles & responsibilities:

• Develop and review goals based on objectives set by the management and communicate it to the team.
• Create and maintain an atmosphere in which employees willingly produce at maximum capacity.
• Monitor the client relations and payment schedule.
• Design Products suitable to market and client’s requirement in coordination and supervision of Head.
• Study competitor and do product benchmarking.
• Maintain and manage the cordial relationship with stakeholders through client servicing.
• Target setting for individual sales officers as well as the branch and monitoring achievement rates • Business plan preparation for the branch with regular performance tracking
• Ensure the collections target for the branch are met on an on-going basis
• Track the performance of team members and evaluate the same on a periodic basis and mentor the team by providing constructive feedback
• Prepare and present annual, quarterly and monthly marketing plans with strategies, promotion mix and negotiate with management the budget for the same.

Roles & Responsibilities:

Loan Portfolio management of Branches (respective Zone)

• Prepare Business Plan, work plan and budget for the targeting regions.
• Support for expansion of Regional product and service.
• Coordinate with Advocates and government authorities if required.
• Support, Monitor and evaluate DY. RMs / RMs /Branch staffs under one's supervision
• Supervise multiple regions & branches field operation
• Lead the need assessment and base-line survey in his/her area and identify the potential clients & households for group & Individual
• Maintain transparent fund management of the branch & regions.
• Maintain proper credit discipline.
• Define and Delegate responsibilities of Regional Manager, Branch Managers, and coordinate with them systematically on a regular basis.
• Responsible to immediately visit the branch and solve any problems faced by branch.
• Make report of operation, financial report, and any necessary reports assigned by Upper manager.
• Participate in recruiting the field staffs.
• Maintain, train and develop Branch Team
• Responsible for the recognizing & observing/training, cash withdrawal & deposit , loan disbursement, repayment collection and all kinds of financial management at the branch level.
• Perform any other responsibilities as assigned by Upper Manager and Head Office

Roles & Responsibilities:

A. Strategic Management at Regional level:

• Ensure that the Branch staffs constantly strive to realise the Company’s Vision and Mission by adhering to Company’s values and code of conduct.
• Manage the market research activity for both Branch expansion and product development.
• Branch Setup and Management including Roll-out.
• Developing annual business plan and budget for the Region – products and services, client growth, credit needs, cash flows, profitability; and indent funds accordingly – to be done in every February for the ensuing financial year.
• Set monthly / quarterly / annual targets for the BMs in consultation with the Zonal Managers and ensure Branches achieve their overall targets.
• Monitor performance of the Branches in achieving their targets and analyse variations from targets and report to the Senior Management.
• Support the Senior Management in decision making on target setting.
• Manage new product launch as per the directives of HO.
• Identify opportunities for income generation; facilitate market linkages for products and services, arranging job oriented skill training.

Roles & Responsibilities:

• Evaluating the creditworthiness of potential customers.
• Creating credit scoring models for risk assessments.
• Approving and rejecting loans based on available data.
• Calculating and setting loan interest rates.
• Negotiating the terms of the loan with new clients.
• Ensuring all loans and lending procedures comply with regulations.
• Maintaining records of all company loans.
• Monitoring loan payments and bad debts.
• Reviewing and updating the company’s credit policy.

Roles & Responsibilities:

A. Strategic Management at the Branch level

• Ensure that the Branch staffs constantly strives to realize the Company’s Vision and Mission by adhering to Company’s values and code of conduct.
• Manage the market research activity for both branch expansion and product development.
• Branch establishment monitoring and roll out of financial services by the company.
• Developing annual business plan and budget for the Branch –products and services, client growth, credit needs, cash flows, profitability; and indent funds accordingly – to be done in every February for the ensuing financial year.
• Set monthly / quarterly / annual targets for the Assistant Branch Managers in consultation with the Regional Manager (RM) and ensure Branch achieves its overall targets.
• Monitor performance of the Branch in achieving its targets and analyse variations from targets and report to the Senior Management. Support the Senior Management in decision making on target setting.
• Manage new product launch as per the directives of Head Office (HO).
• Identify opportunities for income generation activities for loan purpose to clients, facilitate market linkages for products and services.
• Monitoring overall performance of branch in loan origination till loan disbursements process of branch as well as PAR.
• Monitoring the performance of CSPs, ABMs and Periodic field visits to monitor operations performance at the field level.
• Conduct monthly review meetings of CSPs and ABMs.

Roles & Responsibilities:

• Evaluating the creditworthiness of potential customers.
• Creating credit scoring models for risk assessments.
• Approving and rejecting loans based on available data.
• Calculating and setting loan interest rates.
• Negotiating the terms of the loan with new clients.
• Ensuring all loans and lending procedures comply with regulations.
• Maintaining records of all company loans.
• Monitoring loan payments and bad debts.
• Reviewing and updating the company’s credit policy.

Roles & Responsibilities :

• Area survey and prepare community profiles.
• Carry out business assessment in operational area based on the community profile and furnish to BM for approval.
• Obtain leads and identify potential business opportunities in operational area assigned by the BM.
• Conduct / Organise promotional meetings within assigned areas in line with process described in the operations manual.
• Conduct group formation meetings / training meetings and recommend suitable groups to BM.