Business Manager for MSME – Vasai/ Thane/ Kalyan

Mumbai, Maharashtra, India
negotiable Expires in 3 days

JOB DETAIL

Business Manager for MSME – Vasai/ Thane/ Kalyan

Job Description

Basic Information :

Position Title – ABM/DBM & BUSINESS MANAGER
Vertical – MSME [LAP /SECURED BUSINESS LOAN]
Location -VASAI/ THANE/ KALYAN

Business MSME-Sales Department

Job Purpose :
The Business manager is accountable for the Business Development for the assigned area/Hub/Spoke as well as servicing existing clients/portfolio.

Qualification Minimum Graduate
Relevant Experience over 3-4 year, minimum over 1 year in leadership role
Functional Competencies Knowledge of regional Language , written and verbal knowledge of Hindi and English , comfortable with sales , marketing activities and collection capabilities , having basic knowledge of normal title documents of property, understanding of general laws , technical knowledge of building byelaws and cost of construction , market value of properties , EMI calculator , interest calculation with Fix and Floating ROI . Knowledge of financial institutions working in our domain. well versed with general market and knowledge about competitors in the local market
Computer Literate ,Bearing KYC , NOC from other institution ( if coming from another FI) , having Smart phone , CIBIL sholud be clear, minimum 2 professional reference to be checked.
Knowing of Geographical area of working . Basic Hygiene of appearance, leadership quality to motivate the team , taking leadership for new initiative, marketing activities , relationship with other departments and verticals , coordination , negotiation skills , presetting the team and himself in front of marketing activities , meeting in HO’s , departmental meeting , knowledge sharing and product training to new employees and customers groups.
Behavioral Compentencies Customer Focus, Hard Work
Bias for Action and Urgency, Dramatic Growth
Integrity, Nurture talent .

Job Responsibilities :
Financial Responsibilities 100% achievement of the assigned targets.
taking initiative with team for Marketing activities , leafleting , Canopy with team , Identifying new source of business prospect and areas
Coordinating with prospective customer and existing customers for sourcing new business , arranging meeting with existing customer at their places and arrange meeting with customer and office for other places – like customer meal , meeting , gathering , get to gather
Serving customer queries and Build up customer relationship and develop brand value in the market.
Attending all the customer queries and providing resolution to their issues accordingly.
Portfolio Management in Co-ordination with Collection department, collective executive , collection visits , ECS and ACH collection
Physical verification of customer’s residence, business and any other asset crucial from credit point of view and verification of photographs taken by RO , verification of legal papers in originals , checking the title document chain , checking property verification with legal documents , checking the reference of business .
Flowing PM / CH and senior instrcution , coordinating with FI, Collection , Valuation , Legal team for getting the desired visits done reports . Visiting the customers for first FI and meeting taking the seniors to the customer place for visit and verification
Physical Verification of credit related documents like ITR’S, Bank Statements, receipts, ledger etc and the property documents- of these documents
Preparing basic CAM , appraise , recommendation of cases to appropraite autority , mail approvals from authorities for credit , legal , technical, OPS , Store etc
Taking reference Check of customer from local market and existing customers
Following a proper procedure ensuring the proper handling of Property Documents , physical movement of files and papers to cental OPS
Portfolio Management and visit to delinquent cases time to time , Maintaining of WIRR and average Fees, with calibration of collection team .
collection and maintaining of data from open marketing activities for tele calling and self sourcing . Following of the leads so generated from this data receiving from telemarketing team
checking of the documentation of the files , filling the agreements , formates and other formalaties for the disbursement of the case
Clearing all queries coming from customer , credit , OPS , Legal , Valuation .
Timely submission of daily MIS and sourcing data to reporting authority , preparation of sourcing MIS , disbursement MIS , following and completing the audit MIS and queries , OPS pendency and any other work as instrcuted by senior reporting bosses.
Non Financial Responsibilities Doing the clear and honest deal with intact integrity , shoul not be involve in any kind of direct /indirect interest in th transaction
Guide, take training session on Sales process, strategies and incentive scheme. Ensure end person should be clearly aware, understand the scheme and working hard to achieve the same.
Clearing all the queries of the customer and make sure to clear him final ROI , Fess , Charges , and all other terms of the case absolute terms
Maintaining good and decent behaviour while dealing the customer , visiting his property , shop , godown and specially while taking photos of the property and house and surrouning with permission of the customer

Salary: Performance Linked Incentive
Industry:Banking / Financial Services / Broking
Functional Area:Sales , Retail , Business Development
Role Category:Retail Sales
Role:Branch Manager
Employment Type: Permanent Job, Full Time

Education-

UG: Any Graduate – Any Specialization
PG:Any Postgraduate – Any Specialization

Recruiter Name:SWATI MISHRA
Contact Company:AU SMALL FINANCE BANK Limited
Email Address: swati.mishra@aubank.in

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