Designated Regional Manager

Role Overview

The Designated Regional Manager is entrusted with spearheading the Near Prime business segment at the branch level by overseeing sales, credit coordination, operations, collections, and customer service activities. This position emphasizes meeting business goals while ensuring portfolio integrity, regulatory compliance, and optimizing team performance.

Core Responsibilities

• Meet monthly and annual loan disbursement targets effectively.
• Grow the Near Prime portfolio through various channels such as Direct Sales, DSAs, Connectors, Builders, and Referrals.
• Identify new markets and business prospects to expand branch influence and profitability.
• Recruit, train, mentor, and retain an efficient sales team aligned with branch objectives.
• Define clear Key Result Areas (KRAs) and monitor daily performance through meetings and sales pipeline reviews.
• Foster a high-performance environment focused on excellent customer experience.
• Generate quality Home Loan and Loan Against Property (LAP) business opportunities.
• Build and maintain strong relationships with customers, builders, brokers, Chartered Accountants, and other influencers.
• Ensure the quality of sourced business adheres to company credit underwriting standards.
• Maintain portfolio health by driving early collections and minimizing delinquency through focused recovery efforts.
• Collaborate with Credit, Technical, Legal, and Operations teams to expedite sanctioning and disbursement processes.
• Ensure timely and complete document collection for smooth processing.
• Continuously improve conversion rates from application to sanction and sanction to disbursement.
• Ensure strict compliance with RBI, NHB, and internal policies including KYC, Anti-Money Laundering (AML), and documentation standards.
• Prevent fraudulent activities through stringent customer verification and maintain branch audit readiness.
• Monitor competition, market pricing, and trends to recommend effective sourcing strategies.
• Develop enduring relationships with DSAs, Builders, Channel Partners, Property Consultants, Chartered Accountants, and existing clientele.

Experience & Qualifications

• 6 to 10 years of professional experience within Housing Finance, NBFC, or Banking sectors.
• At least 2 to 3 years of experience in roles such as Branch Manager or Cluster Manager.
• Strong expertise in Home Loans, Loan Against Property (LAP), and Near Prime customer segments.
• Proven track record managing both sales operations and portfolio quality.

Eligibility

Applicants must have completed graduation from any discipline.