Area Head - Unnati MBL

' Own the P&L of the assigned branches, overseeing all aspects of operations, including distribution, sales, customer service, and administration. Drive business performance by developing and executing region-specific strategies to achieve and surpass business goals and revenue targets. Ensure sustainable profitability across both asset and liability products by optimizing product mix and pricing strategies. Act as the custodian of people, processes, and documentation for the branches in the region, with a responsibility to ensure governance, control, and efficiency. Analyse market dynamics and competition, providing valuable insights and feedback to product teams for continuous improvement and innovation. Lead a team of RMs to drive customer acquisition, deepen existing relationships, and deliver a comprehensive suite of product services. Monitor loan collections and recoveries, ensuring healthy portfolio performance and minimal delinquencies. Ensure that pricing, processes, and policies are aligned with organizational objectives and market competitiveness. Collaborate with Risk and Credit teams to assess and improve portfolio quality and proactively address any risk exposures. Conduct periodic field audits and customer verifications to maintain operational integrity and compliance. Achieve key metrics including productivity, efficiency, financial performance, customer satisfaction, and compliance with regulatory standards. Build team capabilities to cross-sell and upsell multiple banking products across various locations. Share best practices and competitive intelligence with other regions and clusters to foster knowledge exchange and consistent performance. Uphold high ethical standards and ensure adherence to all statutory and regulatory guidelines. Foster relationships with individual and institutional clients to enhance loyalty and long-term engagement. Lead manpower planning, recruitment, and training initiatives for both on-roll and off-roll staff to build a high-performing, future-ready workforce. Drive livelihood development and community upliftment initiatives, aligning with the banks broader social responsibility goals. Empower team by offering continuous training, coaching, and mentorship to enhance productivity and service quality. Evaluate and implement new initiatives related to products, channels, and processes to boost operational efficiency and customer convenience. Coordinate with internal teams and departments to deliver holistic solutions to customers across the service spectrum. Secondary

' Build team capabilities to cross-sell and upsell multiple banking products across various locations. Share best practices and competitive intelligence with other regions and clusters to foster knowledge exchange and consistent performance. Uphold high ethical standards and ensure adherence to all statutory and regulatory guidelines. Drive livelihood development and community upliftment initiatives, aligning with the banks broader social responsibility goals. Empower team by offering continuous training, coaching, and mentorship to enhance productivity and service quality. Coordinate with internal teams and departments to deliver holistic solutions to customers across the service spectrum. Qualifications: Graduate Years of Experience: 5-12 Years .