Job Title
Cluster Head
Business Unit
Sustainable Livelihood Initiative (SLI)
Reporting To
Regional Business Head
Job Function and Role Type
Sales, Supervisory, Extensive Travel Required
Version No
2.0
Job Purpose
Identify and initiate new business opportunities within the assigned geography to achieve business objectives.
Key Responsibilities
Sales/Business Sourcing
Build portfolio to achieve disbursement and POS budgets.
Bring households under financial inclusion per bank mandate.
Ensure process adherence in asset and liability business.
Achieve business budget and quality targets.
Managing Portfolio & Compliance
Monitor repayments to ensure portfolio growth and quality.
Ensure profitability through cost reduction and compliance.
Adhere to audit, policy, and regulatory requirements.
Business Conduct & Customer Relations
Achieve business targets in SHG/JLG assets and liabilities.
Develop business in new and untapped locations.
Retain customers by delivering quality service.
Supervise EMI collections and delinquency follow-ups.
Team Management & Training
Monitor performance of Relationship Managers and Field Officers.
Ensure productivity of staff and provide on-the-job training.
Operations
Oversee SHG/JLG CAM approvals and loan disbursements.
Ensure compliance with audit and process guidelines.
Address delinquency, legal cases, and credit risks.
Implement system-based processes and technological upgrades.
Other Areas
Implement financial inclusion initiatives as per bank directives.
Engage with regulators and government agencies.
Conduct financial literacy and credit counseling camps.
Generate leads for retail branch banking.
Education:
Graduate/Postgraduate.
Certifications:
None specified.
Key Competencies
Sales and influencing skills, planning and organizing, team management, communication, knowledge of banking products and processes.
Major Stakeholders
Customers, Branch Banking Team, Operations, Audit, Credit, RIC.
