Job Description
Sales/ Business sourcing Building Portfolio (to achieve Disbursement and POS budget) as per business mandate and Budget assigned Bringing No.
• of Households under Financial Inclusion (Bank's mandate of achieving 10 million Households) Ensure strict process adherence in both asset and liability business Ensure both Business Budget and Business quality Managing portfolio & Compliance Regular Follow up and repayment monitoring to ensure portfolio growth and quality management as per laid down process To ensure business profitability Cost reduction and building profitability To ensure Audit / policy Compliance & Regulatory compliance requirements Business conduct & Customer relations Achieving overall business target in Self help group/ Joint Liability group assets and liability business through a team of Relationship Managers.
• Budget follow up- To achieve budgeted business targets of the Cluster region assigned by the management on month on month basis across all parameters Business (both asset and liability) development in the given cluster comprises with 5-12 reporting RMs.
• To start business in new locations for generating Business from untapped areas.
• Retention of existing customers from competition by delivering quality service Client - Delivering unmatched customer service; environmental related Problem Solving Supervision on Regular maintenance and follow up of accounts; oversee EMI collection and delinquency follow up wherever required, achieving the high level of customer satisfaction in the area of operations through reduced transaction costs, faster processing.
• Team management & Training Monitoring the performance of the reporting RMs and Field officers; Ensuring staff Productivity of both RM and Field officers.
• RM/FO staff - On the Job Training Operations Monitoring of approval of SHG/JLG CAM through the system and disbursement of loan by strictly adhering to all process/policy and compliance guidelines.
• LOS approver/ call report noting through the system Ensuring on time repayment (OTR), FTR in account/loan booking, strict control over audit exceptions.
• Implementation of system based process and monitoring, Automation, technological up gradation as per the banks guidelines.
• Fraud Investigation- Business environment check & Monitoring on process and reduction in deviations Collection follow up Maintenance of excellent portfolio quality, NPA Control, Renewal/Retention in Portfolio.
• Addressing critical issues related to delinquency and legal cases.
• Identification and reporting of any credit risk and operation risk.
• Other Areas Implementation of Financial inclusion Initiatives as per Banks direction Dealing with Regulators (RBI, NABARD, DCC & other Gov.
• agencies) and other Institutions Managing Financial Literacy cum Credit Counselling camps (to achieve regulatory directions) Generating Leads for retail branch banking on Govt.
• liability business Focus on PMJDY and similar other projects whenever implemented by the Bank Strict adherence to Regulatory requirements; Ensuring Audit compliance.
Skills
• Positive attitude; Sales and Influencing Skills
• Banking Product & Process Knowledge
• Planning and Organizing Skills; Communication skills
• Effective Team management
• Knowledge of Competition & Current trends in financial Industry
• Dealing with Internal verticals & external agencies
• of Households under Financial Inclusion (Bank's mandate of achieving 10 million Households) Ensure strict process adherence in both asset and liability business Ensure both Business Budget and Business quality Managing portfolio & Compliance Regular Follow up and repayment monitoring to ensure portfolio growth and quality management as per laid down process To ensure business profitability Cost reduction and building profitability To ensure Audit / policy Compliance & Regulatory compliance requirements Business conduct & Customer relations Achieving overall business target in Self help group/ Joint Liability group assets and liability business through a team of Relationship Managers.
• Budget follow up- To achieve budgeted business targets of the Cluster region assigned by the management on month on month basis across all parameters Business (both asset and liability) development in the given cluster comprises with 5-12 reporting RMs.
• To start business in new locations for generating Business from untapped areas.
• Retention of existing customers from competition by delivering quality service Client - Delivering unmatched customer service; environmental related Problem Solving Supervision on Regular maintenance and follow up of accounts; oversee EMI collection and delinquency follow up wherever required, achieving the high level of customer satisfaction in the area of operations through reduced transaction costs, faster processing.
• Team management & Training Monitoring the performance of the reporting RMs and Field officers; Ensuring staff Productivity of both RM and Field officers.
• RM/FO staff - On the Job Training Operations Monitoring of approval of SHG/JLG CAM through the system and disbursement of loan by strictly adhering to all process/policy and compliance guidelines.
• LOS approver/ call report noting through the system Ensuring on time repayment (OTR), FTR in account/loan booking, strict control over audit exceptions.
• Implementation of system based process and monitoring, Automation, technological up gradation as per the banks guidelines.
• Fraud Investigation- Business environment check & Monitoring on process and reduction in deviations Collection follow up Maintenance of excellent portfolio quality, NPA Control, Renewal/Retention in Portfolio.
• Addressing critical issues related to delinquency and legal cases.
• Identification and reporting of any credit risk and operation risk.
• Other Areas Implementation of Financial inclusion Initiatives as per Banks direction Dealing with Regulators (RBI, NABARD, DCC & other Gov.
• agencies) and other Institutions Managing Financial Literacy cum Credit Counselling camps (to achieve regulatory directions) Generating Leads for retail branch banking on Govt.
• liability business Focus on PMJDY and similar other projects whenever implemented by the Bank Strict adherence to Regulatory requirements; Ensuring Audit compliance.
Skills
• Positive attitude; Sales and Influencing Skills
• Banking Product & Process Knowledge
• Planning and Organizing Skills; Communication skills
• Effective Team management
• Knowledge of Competition & Current trends in financial Industry
• Dealing with Internal verticals & external agencies
💡 Quick Summary
Seeking a career-building opportunity? The Cluster Head|SLI position is now open for candidates interested in the Bank Jobs sector. This role in Jaipur 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.