ROLE SUMMARYDrive business for improving market share, profitability & growth across channels and products for the branchthrough demand generation, fulfillment and portfolio management with strong focus for growth in affordablesegmentROLE EXPECTATIONSDEMAND GENERATIONGenerate demand through multi-product and multi-channel sales methodology with an aim to be leader inaffordable segment Driving business through acquiring new customers in the allocated region with focus to improve theaffordable reach Nurturing the relationship with all sourcing partners - Connectors, Referral Partners and I Bank Enhancing business through increase in market share of affordable mortgage and deeper geographypenetration along with other products i.e. LAP, Gold loan, Fixed deposits and Insurance Expanding the market reach by organizing regular promotional activities in collaboration with marketingteam Utilizing digital platforms like GoDirect to increase the inflow of customers Creating and maintaining relationship with builders, property dealers, CAs and all kinds of probablesourcing partners by paying regular visits Establishes, develops and maintains business relationships with current customers and prospectivecustomers in the assigned market segment to generate new business for the organization’sproducts/services Building deeper connections in the market to be updated about latest trends in mortgage industryFULFILLMENT PROCESSFulfill the customer needs with speed & agility Ensuring high levels of engagement for effective pre & post customer service. Responsible for login through i360 app, field investigation, initiating legal & technical, docket filling andLAN generation Effective use of digital apps like i360, go Direct, ileadsquare, dista app and all other upcoming digitalportals/mediums for smooth processing of files Meets the customer needs with agility and speed by ensuring smooth process from onboarding todisbursement Responsible for flawless login to reduce rework and ensure FTR Keep updated on product applications, technical services, market conditions, competitive activities,advertising and promotional trends through the reading of pertinent literature and consulting withmarketing and technical service areas PORTFOLIO MANAGEMENTDrive lend to collect through proactive and effective portfolio monitoring Complete control of NPA and Collections / overdue cases sourced and their overall reduction to minimal. Maintenance of portfolio health by ensuring lend to collect culture is followed up to the last mile Liaisons with legal, technical, collection, FI and RCU vendors Strong focus on post onboarding services, customer retention and audit management Ensures adherence to credit compliance and risk frameworksGOVERNANCE MEASURES Ensures legal and technical norms are met as per guidelines and are adhered to as per collateral policy ofthe region Overall portfolio health NPS score for the branch Management of local noticesKEY COMPETENCIESTECHNICAL COMPETENCIES Understanding of mortgage related products and credit policies Regulatory, legal and compliance Knowledge relating to the mortgage industry Thorough understanding of market landscape and competitors in the region Expertise in understanding the business numbers, able to understand the concept of VNB and SPLB pointsBEHAVIORAL COMPETENCIES Selling and negotiation skills Ability to plan and prioritize Excellent relationship management skills Ability to collaborate with Solution oriented mindset Good articulation and communication s
