Job Description
About Bharat Banking:
Bharat Banking is a new Department which has been set up to drive different business that the Bank does in Semi Urban and Rural markets. The department is expected to drive business outcomes by focusing on partnerships, new products, innovation, reimagining customer journeys and driving / creating new channel.
About the Role:
Zonal Mangers leads the Rural Lending business at Zonal level and is responsible for improving the control over business and ensure that there is responsible lending across geographies. This role leads sales force across remote locations under zonal territory by setting up a distinct business in microfinance.
Key Responsibilities:
· Responsible for achieving the annual disbursement budgets and monthly disbursal budgets
· Ensure quality of microfinance portfolio by keeping 30+ DPD within targeted level and 7-30 within targeted level
· Responsible for planning region level targets
· Responsible for conducting sales planning, sales team recruitment and training at Zone
· Responsible for driving contests and campaigns at Zone
· Ensure that the Sales Team is earning Incentive on Monthly basis
· Conduct branch visits and drive customer retention activities
· Ensure collections are timely reported by all region and keep operating expenses under control
· Ensure Clearance of M2I training modules at all Level
· Conduct branch audit, disbursement audit and collection audit at Zonal Level
· Conduct disbursement and collection analysis at Zonal Level
· Conduct FE productivity, incentive analysis, manpower and attrition analysis (RSM and ASM) at Zonal Level
· Responsible for PNAP and NPA
· Provide Contest and Campaign Reports at Zonal Level
· Responsible for staff management at Zonal Level
Qualifications:
Optimal qualification for success on the job is:
· Post Graduate / MBA from a recognized institute.
· Experience in Microfinance Industry
Role Proficiencies:
For successful execution of the job, the candidate should possess the following:
· Knowledge of Core Microfinance Functions and Products.
· Knowledge of risks / opportunities involved in Microfinance Industry at Zone
· Good communication (both verbal and written) skills
· Inter-personal skills
· Good Knowledge of MS Office, especially MS Excel and MS Power Point
· Financial and statistical analysis skills
· Ability to work effectively across functions and demonstrated ability to coach and mentor others
· Ability to manage risk and uncertainty for self and team within a dynamic priority-setting environment
· Ability to prioritize and make decisions in a fast-paced environment
· Ability to work as a part of team and contribute towards team goals
· Ability to manage multiple tasks/projects and deadlines simultaneously
#ComeAsYouAre "We are dil se open. Women, LGBTQIA+ and PwD candidates of all ages are encouraged to apply
Bharat Banking is a new Department which has been set up to drive different business that the Bank does in Semi Urban and Rural markets. The department is expected to drive business outcomes by focusing on partnerships, new products, innovation, reimagining customer journeys and driving / creating new channel.
About the Role:
Zonal Mangers leads the Rural Lending business at Zonal level and is responsible for improving the control over business and ensure that there is responsible lending across geographies. This role leads sales force across remote locations under zonal territory by setting up a distinct business in microfinance.
Key Responsibilities:
· Responsible for achieving the annual disbursement budgets and monthly disbursal budgets
· Ensure quality of microfinance portfolio by keeping 30+ DPD within targeted level and 7-30 within targeted level
· Responsible for planning region level targets
· Responsible for conducting sales planning, sales team recruitment and training at Zone
· Responsible for driving contests and campaigns at Zone
· Ensure that the Sales Team is earning Incentive on Monthly basis
· Conduct branch visits and drive customer retention activities
· Ensure collections are timely reported by all region and keep operating expenses under control
· Ensure Clearance of M2I training modules at all Level
· Conduct branch audit, disbursement audit and collection audit at Zonal Level
· Conduct disbursement and collection analysis at Zonal Level
· Conduct FE productivity, incentive analysis, manpower and attrition analysis (RSM and ASM) at Zonal Level
· Responsible for PNAP and NPA
· Provide Contest and Campaign Reports at Zonal Level
· Responsible for staff management at Zonal Level
Qualifications:
Optimal qualification for success on the job is:
· Post Graduate / MBA from a recognized institute.
· Experience in Microfinance Industry
Role Proficiencies:
For successful execution of the job, the candidate should possess the following:
· Knowledge of Core Microfinance Functions and Products.
· Knowledge of risks / opportunities involved in Microfinance Industry at Zone
· Good communication (both verbal and written) skills
· Inter-personal skills
· Good Knowledge of MS Office, especially MS Excel and MS Power Point
· Financial and statistical analysis skills
· Ability to work effectively across functions and demonstrated ability to coach and mentor others
· Ability to manage risk and uncertainty for self and team within a dynamic priority-setting environment
· Ability to prioritize and make decisions in a fast-paced environment
· Ability to work as a part of team and contribute towards team goals
· Ability to manage multiple tasks/projects and deadlines simultaneously
#ComeAsYouAre "We are dil se open. Women, LGBTQIA+ and PwD candidates of all ages are encouraged to apply
💡 Quick Summary
Seeking a career-building opportunity? The Bharat Banking|Zonal Manager position is now open for candidates interested in the Bank Jobs sector. This role in Lucknow offers a professional environment and growth potential.
Requirement Snapshot: Candidates should possess basic communication skills, a proactive attitude, and the ability to work in a team. Experience in Bank Jobs is a plus.