PRINCIPLE ACCOUNTABILITIES List the expected end results that must be achieved in order to fulfil your job purpose and the activities that help in achieving these results.
Business conduct Identify and initiate new business areas/ opportunities for the division in the given geography Achieving overall business target in Self Help group/ Joint Liability group assets and liability business through a team of Cluster Heads & Relationship Managers.
Budget follow up- To achieve budgeted business targets of the Cluster region assigned by the management on month on month basis across all parameters.
Business (both asset and liability) development in the given region which covers one to few states through 6-10 cluster heads and 60-100 RMs.
To start business in new locations for generating Business from untapped areas.
Retention of existing customers from competition by delivering exceptional service.
Environmental related Problem Solving.
Supervision on Regular maintenance and follow up of business for achieving higher profitability through reduced cost of operations, reduced transaction costs, faster processing, increased staff productivity etc.
Team management – Overall monitoring of the performance of the reporting Cluster Heads, RMs and Field officers; Ensuring staff Productivity of both RM and Field officers.
Operations Monitoring of business generated through the system and strictly adhering to all process/policy and compliance guidelines.
Driving for better on time repayment (OTR), FTR in account/loan booking, strict control over audit exceptions.
Implementation of system based process and monitoring, Automation, technological up gradation as per the banks guidelines.
Fraud control, Business environment check & Monitoring on reduction in deviations Reporting of fraud incidents which are investigated and finalized by CH.
Maintenance of excellent portfolio quality, NPA Control, Addressing critical issues related to delinquency and legal cases.
Credit analysis Organizing periodical meeting / discussion with Credit and other support verticals for smooth business and problem solving in the Region.
Other Key requirement Areas Implementation of Financial inclusion Initiatives as per Banks direction Dealing with Regulators (RBI, NABARD, DCC, SLBC & other Govt agencies) and other Institutions Coordinating with CHs of retail branch banking in conversion of lead generated Govt.
liability business.
Focus on PMJDY and similar other financial inclusion projects whenever implemented by the Bank Strict adherence to Regulatory requirements; Ensuring Audit compliance SKILLS AND KNOWLEDGE (State the minimum acceptable proficiency for this job.
Do not state incumbent-specific information).
Skills
Ability to Lead and manage a teams of Cluster Heads and Relationship Managers, motivate them for delivering the overall target for the division.
Ability to engage the cross functional team members, businesses business verticals and create shared vision for growth and development of the programme
Communication & Presentation skills
