Zonal Manager - MFI North

Job Description

Job Purpose • Achieving & exceeding Business goals and targets for MFI JLG Loans • Managing and supporting the effective deployment of business team with respect to the geographical area (25 branches), exploring new markets and in allocating resources to most profitable opportunities Duties and Responsibilities • Achieve defined business targets and maintain healthy portfolio quality as defined in AOP. • Monthly 10 days location travel for branch and customer visits • Ensure teams adherence to business (Sales + Collections) governance & compliance processes • Identifying the need of JLG business operational Model training, analyzing changing market trends, channel deployment etc. • Takes inputs from Area Managers on status of files at different stages of processing - suggests priorities, alternatives, and solutions; Takes stock of the situation and discusses the plans for the day with Area Managers and Branch Managers - stresses on anticipating sales challenges and working accordingly • Reviews conversion periodically during the day - drives achievement; Derives end of day status - logins, disbursements, holds, etc., so as to provide a clear picture to the business; Plans with team the follow-through actions for the next day • Gauges the potential of the region - spurs more complete segmenting of customers in the catchment; Identifies with team, profiles to target and avoid • Assists in Collections cases during branch visits, meets customers regularly in the region to identify any pain areas in the process and provide suggestions and inputs to better our operational model. • Judges and plans branch wise and product wise growth along with the team; Guides teams to plan achievement of targets • Cascades finalized plans received from Zonal Manager to the team members - derives aligned performance targets for each, on the basis of potential gauged; Plans with each to achieve their targets • Downloads to Area Managers and Branch Managers product and policy updates and explains their rationale - drives onward communication of the updates to the entire team; Gauges clarity within the team on product and policy updates through file holds, rejections, rework, etc., and spurs communication to improve understanding • Conducts Quarterly face-to-face reviews, gives feedback on improvement areas; Provides feedback to under-performing team members - seeks to understand causes, so as to provide timely and appropriate inputs and support • Understands each team member's learning needs based on performance, behavior, future team needs and individual aspirations; Co-creates developmental plans along with them; Ensures manpower training, especially new joiners in the region. • Provides relevant inputs to team members personally; Influences to arrange for other impactful inputs for them, as per plan • Listens to and understands team members' issues - addresses them to the extent feasible; Keeps Zonal Manager informed of key issues and involves him as well as HR where