Director, Small Business Banking

Job Description :

• Planning, developing, and implementing the strategies, policies, objectives and activities of the MSME Loan business to ensure achievement of the objectives of business levels and profitability.
• Identify and formulate policies & products that cater to the target customer segments
• Focus on profitability, growth and managing the business in a risk mitigated environment in accordance with the strategy and guidelines approved by the board.
• To build, engage teams for driving for compliant, profitable business and built quality portfolio.
• Responsible for monitoring cost of acquisition & revenues
• Study the market and economic climate to target and improvement in market share
• Partner with Marketing and Digital Marketing teams to design campaigns, initiatives that will help the liability business create brand awareness and drive business.
• Launch and implement new products as per business strategy
• Exploring new channels / partner relationship for business acquisition
• Ensure achievement of the portfolio growth & profitability (Numbers, Yield and profitability) in line with budgets
• Provide management with comprehensive information about sales, costs, risks and profitability
• Regular competition benchmarking to stay in line with industry practices
• Track & maintain the portfolio health – Quality underwriting & efficient collection management
• Operational Efficiency -Automation of process for cost advantage & enhanced service levels
• Design measure to minimize adverse audit remarks & adhere to regulatory compliance at all times.
• Advice and rewrite practices in process prevalent with other organizations with similar lines of business
• Identify various areas to improve efficiencies in the department and engage technology solution to improve productivity especially in transactional / human intensive job areas
• Build powerful networks with various industry bodies to imbibe and share best practices

Desired candidate profile :