Hiring For Bank : Cluster Head:Sustainable Livelihood Initiative: MP

Roles and Responsibilities

Sales/ Business sourcing

Building Portfolio (to achieve Disbursement and POS budget) as per business mandate and Budget assigned

• Bringing No. of Households under Financial Inclusion (Bank's mandate of achieving million Households)

• Ensure strict process adherence in both asset and liability business

• Ensure both Business Budget and Business quality.

• Managing portfolio & Compliance

• Regular Follow up and repayment monitoring to ensure portfolio growth and quality management as per laid down process

• To ensure business profitability – Cost reduction and building profitability

• To ensure Audit / policy Compliance & Regulatory compliance requirements

Business conduct & Customer relations

1.Achieving overall business target inSelf helpgroup/ Joint Liability group assets and liability business through a team of Relationship Managers. Budget follow up- Toachieve budgeted business targets of the Cluster region assigned by the management onmonth on monthbasis across all parameters

2.Business (both asset and liability) development in the given clustercompriseswith 5- reportingRMs.

start business in new locations for generating Business from untapped areas.Retention of existing customers from competition by delivering quality service

- Delivering unmatched customer service; environmental related Problem Solving

5.Supervision on Regular maintenance and follow up of accounts; oversee EMI collection and delinquency follow up whereverrequired, achieving thehigh levelof customer satisfactionin the area ofoperations through reduced transaction costs, fasterprocessing..

Team management & Training

Monitoring the performance of the reporting RMs and Field officers; Ensuring staff Productivity of both RM and Field officers.

• RM/FO staff- Onthe Job Training

Operations

Monitoring of approval of SHG/JLG CAM through the system and disbursement of loan by strictly adhering to all process/policy and compliance guidelines.

• LOS approver/ call report noting through the system

• Ensuring on time repayment (OTR), FTR in account/loan booking, strict control over audit exceptions.

• Implementation ofsystem basedprocess and monitoring, Automation, technological up gradation as per the bank’s guidelines.

• Fraud Investigation- Business environment check & Monitoring on process and reduction in deviations

• Collection follow up – Maintenance of excellent portfolio quality, NPA Control, Renewal/Retention in Portfolio. Addressing critical issues related to delinquency and legal cases.