National Manager - Urban Retail - Loan Against Property

Roles & Responsibilities:

- Responsible for P & L for the product

- Launch LAP loan branches & drive disbursals through them & other channel partners as per business plan.

- Conceptualize and implement customer activation programs.

- Introduce innovative products & schemes. (Typically product level schemes should be launched by the product manager as they involve changes in the product construct or pricing, sometimes inclusion of subventions - at the dealer or manufacturer level.

- Cost Management - Tracking cost lines - Salary, Incentives, LOC, cost for loan onbaording

- Portfolio Management along with Risk team to identify areas of stress and take preventive and corrective action.

- Designing and Implementing Payout Structure to Channels and tracking effectiveness. Product Pricing.

- Developing Customer Touch Points, Customer Attrition and Retention Management

- Service Strategy which can enhance customer experience and Portfolio Profitability.

- Benchmarking Product to Competition, enabling timely offers.

- Database Management for X Sell and Up sell

- Develop Channels for customer communication.

- Benchmarking key ratios - C/I, ROTA, ROE, Revenue / ANR

- Co-ordinate and maintain interpersonal relationship with various departments to enhance functioning.

- Identifying business process gaps and undertake continuous improvements.

- Comprehend and comply with the regulatory framework.

- Relationship with OEM / Manufacturers. Manage floor finance / trade finance

- Keep a tap on synergies with the Japanese OEMs

- Plug outages due to process gaps.