Job Description

The CSM/ASM will be responsible for managing a portfolio of clients, ensuring their success with our products and services. This role involves building strong relationships, understanding client needs, and driving customer retention and growth. Responsibilities:

A Cluster Manager at GIC Housing Finance manages multiple branches, focusing on driving home loan business growth, ensuring operational efficiency, achieving sales targets, overseeing collections, and maintaining portfolio quality through team leadership, marketing, compliance, and strong stakeholder relations, acting as a link between branches and upper management. Key responsibilities involve sales execution, loan processing oversight, team development, strategic planning, and ensuring regulatory adherence, requiring strong analytical, leadership, and customer service skills.

Key Responsibilities

Business Growth & Sales: Develop and implement strategies for branch sales, conduct loan camps, build builder tie-ups, and drive overall business development.

Operations & Processing: Ensure smooth loan processing, timely disbursement, manage branch accounts, and facilitate smooth coordination with Head Office.

Team Leadership: Provide guidance, training, and support to branch managers and staff, motivating them to meet performance goals.

Portfolio Quality & Collections: Monitor delinquencies, ensure timely resolution (Bucket X/IX), achieve early mortality targets, and manage escalated collection issues.

Compliance & Control: Ensure adherence to company policies, legal/regulatory requirements, and internal audit standards.

Reporting & Analysis: Track sales data, analyze performance metrics, and report to higher management.

Customer Service: Ensure prompt and best-in-class customer service across the cluster.

Qualifications & Skills

Education: Bachelor's degree (Finance, Business Admin, etc.).

Experience: Proven track record in home loans/mortgages, team management, and achieving targets.

Skills: Leadership, analytical skills, problem-solving, negotiation, communication, stress management, and data-driven decision making.

Core Focus Areas

Profitability: Make branches profit centers by meeting targets.

Customer Focus: Building strong customer relationships and retention.

Portfolio Health: Minimizing delinquencies and ensuring asset quality.