National Manager - Personal Loan

- The role entails scaling up the Personal Loan lending for the bank at a pan India level in a cost-effective manner. It includes building up teams, systems, process and culture amenable to the scale and consistency of delivery.

- The role will closely collaborate with the Product Head to ensure development of a market leading solutions.

- The role is responsible for Asset Book growth and will develop strategies to drive product penetration while maintaining overall portfolio quality requirement.

- It has a P&L responsibility for the Personal Loan lending business contributing to the larger organizational objectives of the bank.

Roles & Responsibilities :

- Grow the AUM base for Personal Loan lending solutions and ensure that the overall revenue, cost, profitability and portfolio quality targets are met

- Lead and direct the Zonal and Regional Heads by providing strategic inputs and plans for distribution penetration in current markets as well as future geographic expansion

- Collaborate with the Product Head Personal Loan to ensure that the customers are offered the best in class solutions funding/multi-funding requirements and key DST's are appropriately incentivized.

- Design channel mix strategy and develop constructive relationships with Digital marketplace partners and key alliances

- Design a fulfilling customer journey leading to customer delight and making this Bank their banking partner of choice

- Oversee distribution channel success through RM training, enablement, integration of alliance channels, improved TAT, focused intervention on low productivity locations etc.

- Ensure the successful adoption of internal compliances & regulatory framework across the business

- Collaborate with the Head of Collections to drive down the net credit loss and delinquency metrics

Managerial & Leadership Responsibilities :

- Monitor key parameters on RM productivity, hiring quality and attrition rates and make necessary improvements

- Champion Bank's customer first culture by driving the team to take up high degree servicing norms to ensure absolute customer delight

- Attract and retain best-in-class talent for key roles in their reporting structure