Circle Business Head - Unsecured Loans - South

Circle Business Head (Candidates with experience in Unsecured loans/Retail loans and DSA Managment and current location Bangalore only need to apply)

The Organization is a new-age digital lender, with a focus on Micro, Small, and Medium Enterprises (MSMEs). We are a Systemically Important, Non-Deposit taking Non- Banking Financial Company (NBFC-ND-SI), offering a wide range of products tailored to the dynamic needs of small businesses.

Job Profile: -

The position offers excellent exposure and growth potential to a professional who would like to join the core team engaged in setting up a new nationwide organization and participate in its growth. The position involves setting up the DSA network for the sales function in The Organization, and will be the responsible for identifying, selecting and appointing DSA network as well as monitoring.

Key Responsibilities:

- The position offers excellent exposure and growth potential to a professional who would like to join the core team engaged in setting up a new nationwide organization and participate in its growth.

- The position involves setting up the DSA network for the sales function in the organization, and will be the responsible for identifying, selecting and appointing DSA network as well as monitoring.

- To grow the retail loan business and achieve the targeted loan book size.

- To increase the productivity in terms of value and number of loan disbursals as a team.

- To optimize the cost of merchant acquisition per disbursal.

- To increase the income from each merchant acquisition.

- Identifying, Recruiting and Driving channel partners & DSTs on a continuous basis to ensure continuing sales growth.

- Responsible for generating business through DSAs/DSTs.

- Should have direct experience in working out & negotiating commercial agreements.

- Ensuring basic business quality parameters such as TAT, Lead Management etc. maintained by the team.

- Ensuring basic Sales Process in the team by imparting continuous Product and Process training for the front-end team, setting individual Sales Target and Monitoring regular productivity etc.

- Recruitment and Training of FOS,

- Experience in designing incentive plans, motivational programs and engagement activities.

- Sphere-heading various awareness and lead generating activities done by the team (such as Road Shows) in order to increase the inflow of customer enquiry which further resulting into increased business volume.

- Accountable for the profitability of the channel and productivity of team members

- Exposure to fraud prevention and detection

- Coordinating with collection department in resolving nonstarters and delinquency cases.

- Incorporating various checkpoints within the sales process of the team to ensure quality sourcing by the team ensuring acquisition of quality assets.

Qualification & Experience:

- 10 to 15 years of experience in a Bank/Insurance company or a NBFC out of which at least 5 to 7 years of retail loan selling is a must.

- Management degree in finance/business from reputed institute will be given preference.

Skills and Competencies:

- Excellent sales and negotiation skills

- Good business sense

- The ability to motivate and lead a team

- Initiative and enthusiasm

- Good communication and 'people skills'

- The ability to work calmly under pressure

- IT Savvy, should have a working knowledge of MS office