01Overview
KRA (Accountabilities) (Max 1325 Characters)Supporting Actions (Max 1325 Characters)KRA1Regional Sales Strategy Work with ZSM-ABHFL on devising the regional business strategy and operations plan, considering product-environmental factors, competitive forces and sector-specific trends
Ensure cascade of strategy and plans to the team down the line for effective execution and alignmentEnsure branch planning and operations (resourcing, productivity, compliance, etc.) in line with regional strategyProvide inputs for effective sales incentive/ payout scheme design, considering state level factors, business practices/ norms, etc.KRA2 Track industry and market developments, scanning the market and its competitive offerings on a periodic basis; report on and direct teams basis emerging trends and business opportunitiesWork with Construction Finance Team on building business volumes for the same, till the time a dedicated team is instatedKRA3Business Growth & Customer Acquisition/ Engagement Identify business growth opportunities at a regional level, drive expansion and new customer acquisition strategies (identifying potential prospect hubs, advising on channel mix, etc.) to create a book of targeted sizePlan and drive efforts towards achieving stated business targets, intervening as required on critical/ complex transactionsCommunicate regional objectives and allocate targets to team members appropriatelyTrack cases in the complaint tracker/ escalations received, liaising with relevant stakeholders as required to drive satisfactory closureKRA4 Deploy efforts/ initiatives in consultation with ZSMABHFL, arising from customer satisfaction survey and resulting NPS (Net Promoter Score), targeting identified focus areasDesign and deploy relevant solutions and schemes to drive sales and enhance profitability, ensuring dual focus on sales expansion (product mix, channel expansion, etc.) as well as cost optimization (product optimization, channel optimization, budget adherence, team productivity, etc.)Proactively manage key account relationships in the region, across customers, distributors and major distributorsAnalyze and review periodic regional MIS reports for disbursements, profitability, NPAs, market expansion, etc. and communicate to ZSM - ABHFL as well as down the lineKRA5Operational Effectiveness Drive adoption of efficient business processes/ operations across the Customer Lifecycle (Sourcing, Approval, Servicing, Collections)Manage distribution in the region across developers, DSAs, Arrangers, IPCs, Connectors and through direct teams, corporate channelsDrive process efficiencies and faster TATs through strong relationships with stakeholders across processes and functions (Risk, Operations, Sales Governance) and efficient operationsDrive a high-performance culture by reinforcing focus on sales growth objectives, effective client engagement, monitoring sales operations and productivity metrics, and providing support and guidance as requiredDrive the implementation of improved processes and best practices in order to enhance operational effectiveness, productivity and overall business impactKRA6Cross-Selling across ABFSG products Drive activities and initiatives in the team as per Cross-Selling strategy agreed with ZSM- ABHFLDrive alignment to the adopted Cross-Selling strategy by supporting teams down the line with requisite communications, training, guidance, etc. as requiredKRA7Team and Internal Stakeholder Management Guide and develop team members to facilitate better client engagement, customer acquisition, and more efficient business operations, helping them achieve superior performance standards via regular reviews, joint visits, etc.Nominate teams for relevant technical and behavioral trainings/ seminars and work on self-development initiativesProactively build and maintain relationships with key internal stakeholders for smooth cross-functional coordination and alignment towards achievement of business objectivesConduct/ ensure relevant engagement and training programs to develop teams and ensure motivation and retention of key talentKRA8Portfolio & Risk Management Work with the Risk, Operations and Sales Governance teams counterparts to ensure mutual alignment on and adherence to risk management and control mechanismsSupport risk and review process in the region through robust appraisals as part of the credit approval process and by reviewing the loan sanctioning, disbursement process and documentation to ensure controlled operationsReview financial risk via analysis of regional operations MIS and Data Analytics reportsDrive compliant Sales Operations and sound risk management via partnership with Risk, Operations and Sales Governance teams, and proactive communication and guidance; drive timely PDD closures and collectionsAs part of Relationship Maintenance with institutional customers, review reports on client accounts, business performance, etc. and liaise with Risk while guiding team on
