1 . To develop and monitor SME Auto Ancillary business in the West zone and give guidance to the team
2: Duties & Responsibilities (List in the order of importance the duties & responsibilities of this job )
o Source and develop proposals from Auto Ancillary sector in Western India, through direct marketing.
o Build quality Auto Ancillary SME Asset portfolio in Western India
o Suggest and work out customized solutions to the customer as per the needs & requirements.
o Coordinate for pre and post sanction process to ensure timely sanction of financial assistance and execution of legal documents and disbursement of the loan by liasoning with legal, compliance and operations team for reducing TAT
o Maintain the customer relations and monitor working of the company and payments.
o Partner with possible institutions/OEMs to help better serve our client requirement and get fresh business.
o Understand the client need & suggest new loan products to meet the requirements.
o Study competitors and do product benchmarking.
o Maintain and manage cordial relationship with stake holders through client servicing.
o Identifying and developing channel partners for achieving business volumes consistently and profitably
o Monitor profitability of the portfolio by closely tracking the yield
3: Key Challenges (List the key tasks performed to support the main objectives of the positions)
o The end-to end management of Customer needs require lot of coordination effort, business development skills, understanding of the industry and structure loan products.
o Closer monitoring for recovery and customer retention.
4: Decision Making Authority ( Describes the type of decisions made alone, those on which the manager must be consulted, those referred to a higher level, and job procedures to be followed ).
o Which Leads to Pursue
o Market research activities and identify potential customers
o Understanding and Evaluation of Financials and basic credit checks
o Monitoring of the performance
o Institutional Tie-ups
o Feedback on New Products
Job Requirements (Describe the educational requirements, suggested year and type of experience, nature and extent of skill/abilities required for the desired position)
Professional Quali?cation Knowledge Skills Attitude
Graduation in Engineering with an MBA degree, preferably with experience in Business development/credit of 8-10 years SME loans in West Zone
o Auto Ancillary business / market in West Zone
o Communication Skills
o Good Inter personal Skills.
o Analytical Ability
o Customer Focus
o Decision Making
o Problem solving
o Team Work o Determination
o Ability to accept rejections