Area Manager - Rural Two Wheeler Loan
Bajaj Finserv
Date: 1 day ago
City: Varanasi, Uttar Pradesh
Contract type: Full time
Location Name: Varanasi
Job Purpose
“This position is open with Bajaj Finance ltd.”
Education
Graduation / MBA
Experience & Skills
Graduation with 4 to 6 years and MBA with 3-4 years of relevant experience
Demonstrated success & achievement orientation.
Strong analytical skills to drive channel performance and drive profitability
Strong bias for action & driving results in a high performance environment.
People & Relationship Management skills
Excellent Communication and Negotiation Skills
Affirmative in nature, Strong Leadership Skills, Clarity of thought and perseverance.
Job Purpose
“This position is open with Bajaj Finance ltd.”
- Achieving & exceeding Business goals and targets for Rural Two Wheeler Loans. Managing & grooming of the team to achieve their respective targets
- Achieving & exceeding Business goals and targets for Rural Two Wheeler Loans
- Creating a strong & compliant sales culture to drive business.
- Sales Force Management, data management and efficient use of call center leads
- Dealer visit along with sales manager/FOS
- Portfolio management – 99% zero bucket collections
- Maintaining FEMI at 9% across location & span
- Monthly 5 days location travel
- Ensure teams adherence to sales governance & compliance processes
- Adherence to customer delivery TAT
- Ensure implementation of promotional plans & contests and suggesting new and innovating promotion plan for the area of work.
- Recruiting and Retaining high performers.
- Team management & Grooming of the team to achieve their respective targets
- Managing the Delinquency of the business sourced to ensure health of portfolio
- Excel & power point presentation knowledge & skills
- Daily review with ABSM regarding projections / activity plan for the day
- Reviews with ABSM on projection verses delivery daily, to spur planning for the next day
- Ensures execution of the defined activity plan for customer visits by the team during the day
- Assists in Collections in HTS cases for buckets X and 1, as well as higher buckets
- Provides feedback to under-performing team members - seeks to understand causes, to provide timely and appropriate inputs and support
- Nominates team members for reward and recognition commensurate with their achievements; Appreciates team members appropriately in internal forums as relevant
- Resolves issues regarding documentations
- Decides on approaching customers of risk-prone geographical areas and profiles, and to stop approaching specific profiles, based on delinquency patterns
- Plans for business expansion - identifies and maps new areas, including fraud likelihoods, derives projections; Shares and discusses with branch teams and ASSCs - takes inputs to make action plans clear; Shares projections, action plans and budgets with RSM, seeking approval
- Cascades finalised plans received from RSM to the team - derives aligned short-term performance benchmarks such as DRR; Plans with team to achieve them
- Periodically monitors team on productivity metrics, and assists in resolving their issues; Monitors month on month productivity, WIRR, Insurance penetration, CC and CW lead penetration
- Shortlists from among initial candidate lists, makes recommendations of known candidates; Conducts initial interview with shortlisted candidates, providing comments as per format, and recommendations
- Reviews and discusses achievement with team periodically; Conducts mid-year and annual performance review per team member, providing feedback for their improvement
- MAJOR CHALLENGES
- Team Management
- Retention of front line sales force
- Maintaining consistent delivery of high performance
- Attrition (on roll & off roll)
Education
Graduation / MBA
Experience & Skills
Graduation with 4 to 6 years and MBA with 3-4 years of relevant experience
Demonstrated success & achievement orientation.
Strong analytical skills to drive channel performance and drive profitability
Strong bias for action & driving results in a high performance environment.
People & Relationship Management skills
Excellent Communication and Negotiation Skills
Affirmative in nature, Strong Leadership Skills, Clarity of thought and perseverance.
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