HDFC Bank - Area Head - Installment Finance - Consumer Durable Loans

Job Title :  Area Head-Installment Finance

Business Unit (PA) : Retail Assets - Consumer Durable

Team : (Sub team in the PA) - IFB Branch and Internal Channels

Reports to (job) : ZH - Branch and Internal Channels ZH - Branch and Internal Channels

Location of role : PAN India branch Location

Job Fn : Sales

Role Type : Supervisory

No of direct reportees: 7

Job Purpose :

- The role is to Liaison with the Branches and all Internal teams at a specified area of operation (HNW/ VRM /Agri / SLI / Asset team/ Salary corporate tie ups, including government desk activities).

- To build mindshare at the ground level with the branches and the internal channels and be accountable for targets / implementation of the process to ensure a seamless activity flow.

- Co-ordinate with central teams for MIS /Publish MIS to branches, support these channels with details of ongoing offers, share relevant offers to these channels.

- Run corporate activities / for Existing corporates as well as the Government tie ups .this would entail that there is a proper process to ensure we get the best deals to be offered to these corporates.

Job Responsibilities(JR) :

1. Synergy between the IFB product team and other internal channels :

- The role is to Liaison with the branches and all the Internal teams at a specified area of operation (HNW/ VRM /Agri / SLI / Asset team Salary corporate tie ups, including government desk activities)

- To build mindshare at the ground level with these channels and be accountable for targets / implementation of the process to ensure a seamless activity flow .

2. Ensure Timely MIS to branches and seniors :

- To Co-ordinate with central teams for MIS /Publish MIS to branches, support these channels with details of ongoing offers, share relevant offers to these channels.

3. Responsible for Branch Displays and Lead Generation Activities :

- Run corporate activities - for Existing corporates as well as the Government tie ups. This would entail that there is a proper process to ensure we get the best deals to be offered to these corporates.

- Responsible for organising product displays at Branches and setting up market setups.

4. Responsible for Branch Targets and various Cross sells :

- To provide valid inputs/ by running various initiatives for achieving the FY's targets for EasyEMI enhancement through branches and tracking Branch/Unit wise MIS.

- The IFB Team is also expected to cross sell other liability products of the bank including Credit cards, Current accounts, savings accounts, salary accounts and fixed deposits.

5. Ensure productivity is tracked at on the ground :

- The ASM is responsible to ensure sourcing of the business from the Sms and BDRs.

6. Building Proper Distribution in his locations for BDR's, Channels :

- Responsible for ensuring sourcing Business from Branches ( Internal Customers, RM Channel, corporate salary, ABM Channel etc ), Phone Banking, VRM, COP, PRIME, EEG, HL, and other internal channels of the bank and also from the Open Market ( Catchment area's Near Branches).

Educational Qualifications :

- Graduation

- MBA will be an added advantage

Key Skills :

- Sales, Interpersonal and Influencing Skills

- Ability to aggressively work under sales Pressure.

- Result oriented approach and strong execution skills.

- Multitasking ability.

- Continuous Learning

- Analytical and presentation skills.

- Planning and Organizing Skills

- Good Communication Skills

- Knowledge of Competition & Current trends in financial Industry.

Experience Required :

- Experience of 4 years to 8 years in channel management ( Preferably in Telecom, FMCG, Financial Services, etc.)

- Internal Transfer from Branches or Assets

Major Stakeholders (intra team and cross functional stakeholders, who would need to be interacted with for discharging duties) :

- IFB Sales Team.( BDRs/ SMs/ZH)

- IFB Product team

- Branch Banking Team

- Internal Verticals

- Operations