State Manager - Sales - Loan Against Property (10-20 yrs)

- Monitors and maintains the balance between Group Lending/Individual/Secured portfolio.

- Reviews Branch Operating Matrix

- Periodically reviews CPVs and GRTs.

- Monitor profitability and performance of the cluster using various productivity, efficiency and financial parameters.

- Periodically audits the cash management process.

- Periodically reviews the insurance claim process and ensures the claim process is duly adhered to.

- Undertakes measures to increase growth in volume and contribution of the cluster to the state.

- Plans and implements customer care programmes regularly.

- Plans activities to ensure growth of business and therefore market share.

- Tracks competition regularly and provides feedback on the initiatives on changes in programmes.

- Provides feedback on the existing policies with their pros and cons.

- Actively takes part in the hiring of front end sales personnel for the cluster ensuring 100% manning at any point in time.

- Ensures all the employees onboarded have undergone requisite training and are certified.

- Ensures all the Units have adhered to all statutory norms and escalates as and when any issues surfaces.

- Takes the lead to address any customer complaint and ensures resolution.

- Takes a periodic review on customer attrition and reasons for the same.

- Does a daily check on OD's in the cluster with reasons and intervenes as and when required.

- Identify and analyze risks (economic, social, political, etc) related to broader loan portfolio; ensure portfolio diversification and quality across activities and Area

- Takes a lead in delivering programmes as and when required.

- Takes the lead in grooming employees to the next level.

- Does a periodic check on cash reconciliation across the cluster.

- Does a regular check on attrition and reasons responsible for them.

- Tracks all the high performers and provides the necessary inputs to ensure they grow further similarly tracks the underperformers and provides inputs to ensure they grow further.

- Coaches Unit Managers in analyzing reasons behind drop-out rates and identifying techniques to reduce drop-out problems.

- Is fair and objective while dealing with all employee related issues.

- Continuously upholds and communicates importance of Integrity and Discipline in the branch.

- Responsible for the upkeep of all matters related to the disciplinary grid irrespective of grade or role.

- Encourages and protects any employee voicing concerns on deviation from systems and process.

- Takes the lead in ensuring all employees take part in VOE survey.

- Objectively rates employees basis performance and recommends employees to the next level. Also facilitates communication of rating to the employees.

- Ensures backend operations of every branch function in a smooth and effective manner