Job Description

4) Key Result Areas: Write the key results expected from the job and the supporting actions for each of these key result areas (For a majority of jobs typically there could be 4- 7 key result areas) Key Result Areas Supporting Actions Business growth through Channel Management-Effectively grow and manage different types of channel partners to ensure meeting of topline & bottom line targets Channel types Direct Sales Agents Online aggregators Internal sources that provide qualified leads like marketing department . Research to scout for potential channel partners Gather data for evaluation of potential channel partners Meet & support the negotiation of terms of engagement with potential in lines with business potential Support in the onboarding of the channel partners Constantly engage with & activate channel partners while ensuring targeted ROEs for the channel partners Monitor SLAs, sales efficiencies and RoI of channels Business growth through Customer Acquisition-Acquire customers by selling STSL towards meeting topline targets Identify business growth opportunities Meet customers along with channel partners Organise channel partner, customer visits for seniors Check for alignment of cases put up by the channel partners on a daily basis with the internal policies /guidelines Coordinate with internal stakeholders to process the applications Negotiate commercial terms Appropriate Funnel management to ensure adequate conversion from login and disbursement Fulfil qualified leads provided by online aggregators, internal sources Disbursal& MIS -Timely disbursement of the loans to customers with proper documentation Smooth coordination with vendors for timely submission of relevant customer documents Coordinate with internal teams and respond to their queries to ensure timely & accurate disbursal Complete transactions with customer with appropriate documentation Provide inputs to Area Manager for Sales MIS Market Intelligence-Gather market intelligence towards evolving competitive business strategy, policies & processes Gather market intelligence on a regular basis Share the market intelligence with Area managers Provide suggestions for improvement in processes, pricing, policy etc to Area Managers Portfolio quality& Risk Management -Maintain quality of portfolio to minimize NPAs Liaise with the customers and the Risk team as required to provide regular information required for monitoring the creditworthiness of the proposals Manage portfolio activities augmenting and driving alignment with early alert strategies to reduce losses Proactively identify risks to maintain portfolio quality Track over due account on a daily basis for the business Intervene to ensure collection for initial overdue accounts on timely basis Collaborate with Collection teams for remaining over due cases & ensure collection on a timely basis Profitability-Implement measures to ensure profitability Focus on sales volume and value (higher yield and margins) by right pricing, cross selling, processing fees Implement all cost management initiatives on a timely & accurate basis Process Efficiency & Operational Effectiveness -Adhere to processes 100% Process Adherence for pre & post sourcing processes Stakeholder Relationships- Develop relationship with internal stakeholders Proactively build and maintain relationships with key internal stakeholders for smooth cross-functional coordination 5) Job Purpose of Direct Reports: Describe the job purpose of the direct report/s to the job (in 2-3 lines for each report) NIL 6) Relationships: Describe the nature and purpose of most important contacts or relationship (except superior/team members) with individuals, departments, organizations inside and outside of the organization, that job is required to interact with in order to deliver the job objectives Relationship Type Frequency Nature Internal Risk Operations Collections Policy Finance HR IT Daily Daily Daily Monthly Weekly Need Based Need Based Proposal evaluations, portfolio monitoring Client servicing issues, TAT reviews Coordinate for overdues Provide feedback/input Coordinate Recruitments, Performance Reviews, Training Back-end/ systems support External Channel Partners (Zonal DSAs/ Representatives) Existing and Prospective customers Vendors Daily Daily As required Product and business development initiatives Relationship building CRM & understanding the need of new products/ positioning changes Review 7) Organizational Relationships: Provide the structure for a level above and below the position for which this job description is written. Use position titles in the structured and indicate all the reports of the position.

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