EQ
Branch Manager - Retail
Equitas Small Finance Bank · Thanjavur
वेतन₹45,000–70,000महीना, जैसा लिखा है
कहाँThanjavur
प्रकारFull time
Posted10 Oct30 दिन पहले, Apna से
Kaam ने check किया
Fee, deposit या पैसे माँगने के निशान नहीं
अच्छी English चाहिए, बोलने और लिखने में
दिन का काम
जो skills माँगे हैं5 लिखे हैं
Housing loanMortgage Loan SalesLoan Against PropertyHome Loan SalesLAP (Loan against property)
इस job के बारे में
- Business Development & Target Achievement Driving Disbursements: Meeting monthly and quarterly branch-level sales and disbursement targets for both home loans and loans against property. [1, 2] Channel Management: Onboarding and managing Direct Selling Agents (DSAs) , connectors, builders, and referral partners to ensure a steady influx of high-quality leads. [1, 2, 3] Cross-Selling: Ensuring the penetration of secondary financial products, specifically property/life insurance to protect the loan portfolio. [1, 2] 2. Operations & Turnaround Time (TAT) Management End-to-End Coordination: Overseeing the files seamlessly as they move from the Sales team to the Credit/Underwriting and Operations departments. TAT Efficiency: Minimizing the Turnaround Time (TAT) from when a customer submits their documents to the final loan login, sanctioning, and ultimate loan disbursement. [1, 2] 3. Portfolio Quality & Credit Compliance Risk Mitigation: Collaborating with the credit risk team to analyze applicant profiles, Fixed Obligation to Income Ratios (FOIR), and Loan-to-Value (LTV) limits. Property Verification: Ensuring strict legal and technical checks are carried out on properties (checking clear titles for HL and accurate market valuations for LAP collateral). Delinquency Control: Monitoring branch-level Non-Performing Assets (NPAs) and maintaining strict control over early-stage delinquencies (keeping metrics like Portfolio at Risk/PAR within strict limits). [1, 2, 3, 4, 5] 4. Team Leadership & Support Team Productivity: Mentoring, training, and tracking the productivity of Relationship Managers (RMs) and Sales Executives under their command. Problem Resolution: Resolving critical customer complaints, legal logjams in property documentation, or processing deviations efficiently
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