Job Description

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Key Objective of the Job:
Conducting Microfinance business by Identifying business potential locations, driving business numbers, and maintaining quality portfolio of the region. Required experience in driving business of Rural Individual Loans, Small Business Loans or Micro individual Loan. This is with in-depth research and taking input from primary and secondary sources, engaging with microfinance institutions in the vicinity while always acting as representative of TCL.
Major Deliverables:

• Leading a sales team of Area Sales Managers, Branch Managers, and Individual Loan Officers to drive business numbers and achieve targets.
• Maintaining highest portfolio quality and collection efficiency.
• Responsible for hiring, recruitment, training, and motivation of field staff.
• Evaluating business potential for the regions by using different analytical reports like pincode reports, bureau reports, Micrometer etc.
• Strong performance management skill by playing a pivotal role in structured reviews, performance evaluation and ensure a strong productivity management culture.
• Implementing best business practices and developing company strategies and programs while ensuring strict compliance, integrity, and portfolio quality.
• Constantly engaging with staff, customers, and peers to drive business growth.
• Gather and analyze market intelligence to inform product, marketing, and sales strategies.
• Understand industry trends, competitor strategies and customer needs, and translate these insights into actionable decisions.
• Ensure business growth and diversity of products in the region as per business plan.
• Implementing innovative strategies to achieve business numbers, avoid risky locations and driving collections especially from delinquent, overdue, nonstarter and fraudulent customers.
• Handing all queries pertaining to branches in his region.
• Disseminating information received from Field to Central Office and vice versa.
• Ensuring staff skill development through meetings and continuous monitoring of various clusters on regular basis by identifying training needs as per the market trends and new business opportunities.
• Responsible for handling all Compliance, Audit, Legal, Customer Service, Operations, Logistics, Admin, HR etc. related issues in the region.
• Adherence to all products, process, and policies of the company.

Educational Qualification: Post Graduate/ Graduate in any discipline