Bharat Banking : Regional Sales Manager - Microfinance

Bharat Banking : Regional Sales Manager-Microfinance

INTERNAL USAGE : No. of Vacancies :

Reports to :

Is a Team leader

Team Size : Grade :

Business :

Department :

Bharat Bank

Sub - Department : MFI

Location : About Bharat Bank

The increasing income diversification, evolution of the tech stack, various government schemes to improve livelihoods, and integrating the country via roads and the internet have provided strong tailwinds to the rural and semi urban (RUSU) or Bharat markets.

To better capitalize on the growth runway and open the world of possibilities for the Bharat customer, the bank has set up a separate Bharat Bank vertical. It is an amalgamation of products and geography, handling certain core products across the country and all the products in the RUSU branches.

The objective is to accelerate the growth journey by expanding distribution reach via branches, partnerships, and digital presence, creating tailored products and processes, and using the One Axis strategy to harness synergies in all parts of the Bank to deliver to the Bharat customer.

The Bank also continues to focus on growing the book profitably by enhancing productivity, improving operational efficiency to reduce cost, and containing risk by leveraging technology such as AI and ML & rigorous portfolio monitoring

About the Role

The Regional Sales Manager will be responsible for managing Microfinance operations within one region. She / he will provide leadership to Area Sales Managers and branches. Regional Manager will be responsible for regions performance. She / he will be instrumental in identifying new opportunities and will conduct market research for expansion together with expansion team. In leading Dawn efforts in the region, she / he will also routinely carry out training of Area Sales Managers, client drop out surveys, check and supervise the branch plans and budgets, assess staff performance as well as verify and submit monthly reports as required.

Key Responsibilities

Primary duties and responsibilities :

Lead the Area from respective region to set, monitor and support for targets of Active borrowers and Outstanding Loan Portfolio amounts.

Developing regional implementation strategies and operational plans (including expansion to new areas) setting regional and branch performance targets both clients and outstanding loan portfolio and ensuring achievement of said targets.

Supervising overall operations of the region and all respective branch offices monitor branch performance such as portfolio quality, standard case load and sustainability plan.

Oversees all aspects of expansion in the region, including the establishment of new branch offices and staff selection and trainings.

Conducts refresher training as required and necessary

Summarize disbursement plans of the branches from him / her region and summit to Operations Manager.

Report immediately any delinquency, cash deficiency and / or any other problems and support to branches to solve these problems

Conduct monitoring visits to branch offices, as planned.

Set annual performance evaluation of branch managers, assets mid-term and annually and evaluate to base on performance.

Check, supervise, combine and monitor the Branch plans and budget.

Recruit new Area sales officers and assist to provide in service trainings.

Supervise and lead Area sales managers to control client retention rate in respective region.

Participate and discuss with strong strategy for the regions sustainability in BM review monthly meeting and regional manager meeting.

Closely work with product manager to ensure to follow all policy changes.

Must visit responsible branches in every month do surprise check to the collection points and clients business.

Supervise and ensure the staff from branches to follow policy and procedures of Dawn and maintain best customer service.

Report to Business Manager / HOO for the progress of Branches and strategic to change methodology of Dawn base on best market practices.

Performing other duties as assigned by Operations Manager or Head of Operations.

Qualifications

Qualification

1. Graduate / Postgraduate from a recognized institute.

Role Proficiencies : Skills Required

Refer to the Job Description