KRA1
Sales Growth & Client Acquisition
Identify and execute sales growth opportunities at a local/ area level, driving channel expansion and new account acquisition
Segment the market and identify potential direct clients, approach them and generate business through customized loan structure offerings that meet client requirements and also generate good margins for business
Deliver on sales targets by building strong relationships in the DSA network and influencing DSA outcomes
Augment the sales volumes of Unsecured lending, manage channel databases and tap them tactically to ensure healthy sales pipeline
Drive faster TATs through effective loan sanctioning by building strong relationships with internal stakeholders in order to expand channel presence and customer base
Track & report on sales operations and productivity metrics, and work towards building a high-performance sales culture
Actively participate in initiatives and contests driven by Business Development teams
KRA2
Operational Effectiveness
Work with dual focus on sales volume and value (IRR) through the team
Track & ensure SLA adherence, sales efficiencies and ROI
Adopt prescribed improvements in processes and best practices in order to enhance operational productivity and suggest improvements as well
Analyze and communicate operational information periodically as per agreed timelines and MIS formats for disbursements, profits, NPAs, channel expansion, new product launches, new branches, new channel development, etc. and communicate to RSM as well as down the line
KRA3
Distribution &
Market
Expansion
Develop and strengthen distribution network through liaising and networking efforts, considering product positioning and competitive pressures
Scan the market and its competitive offerings on a periodic basis; report on emerging trends and business opportunities for the unsecured segment
Engage with DSA channel network and execute the agreed touch point management system for faster customer connectivity and loan processing-disbursement; escalate issues appropriately for timely resolution
KRA4
Customer Servicing &
Relationship
Management
Coordinate with risk and operations teams to execute robust, customer friendly loan approval and booking processes Recommend improvements to operating procedures and technological tools to enhance customer experience through reduced processing TATs while simultaneously ensuring compliant operations
Ensure customer queries/ complaints are addressed in a timely and effective manner and coordinate personally to expedite the same
Leverage close direct customer relationships to carry out post sanction surveillance and generate early warning signals on NPAs
KRA5
Risk
Management
Execute compliant Sales Operations and work in line with risk management principles via coordination with Risk team
Ensure closure of deal documentation and credit administration requirements, including opening of escrow accounts for receivables lending in line with regulatory and financial controls requirements
Support risk management by maintaining focus on prescribed guidelines and process checks at all stages of the unsecured loan transaction and raising potential alarm cases in advance
Proactively identify and report risks in order to ensure portfolio quality is maintained
Liaise with the channel partners, customers and the risk team on specific escalation cases
KRA6
Internal Stakeholder
Management
Partner with peer ASMs and reporting SMs (if any) to overcome challenges and support sales growth via effective channel management, customer acquisition
Proactively build and maintain relationships with key internal stakeholders (E.g. Operations, Risk Management) for smooth and efficient transactions and issue resolution
