Zonal Head - Used Cars Loans

Business delivery & growth :

- Deliver top line through all channels - Dealers/ Sub Dealers, Online and Digital Partners

- Drive team for critical revenue parameters: ROI, pf, insurance penetration

- Propose and execute various strategies for higher market penetration / faster portfolio build up.

- Creating a high-quality TW Lending Book and increasing the lending penetration in the TW Loans Segment

- Supervising complete business operations including profitability, forecasting monthly / quarterly/annual sales targets, & their execution.

- Look for opportunities to enhance revenue streams - cross sell (ETB), new sources for outbound campaigns, third party products etc.

Channel Management & Distribution :

- Ensure sourcing mix through channels in the most cost-effective manner, to control Cost of Acquisition

- Ensure delivery of region wise disbursal volumes, revenues and yield target.

- Develop and implement an appropriate sales management system to track sales force productivity & performance in line with budget

- Leveraging on Marketing / Product support / Manufacturer support for enhancing business penetration

- Triggering promotional activities / events such as inserts / loan melas etc. to ensure continuous funnelling.

- Chalk out plans for foraying into new areas / locations / markets / branches.

People Development :

- Creating and Driving team of Regional Heads / State Heads towards the goal. Draw up plans for recruitment of manpower according to the plan.

- Plan specialized training programs on regular basis to ensure team is updated on product/policy.

- Provide developmental feedback to all direct reports

- Design an effective R&R strategy for the channel in collaboration with the Product team

- Ensuring minimum attrition in the team with constant engagement & feedback & ensure skills development through regular trainings.

Compliance & Quality maintenance and Improvement :

- Driving quality measures like PDD, Portfolio quality, cross sell

- Develop and execute all product related performance matrices (including tracking of portfolio quality) and streamline the data flow concerns if any in all the products handled.

- Ensure regular review of account bucket movements, its recovery and appropriate reporting.

- Drive business in a manner to maintain operational, process and regulatory compliance and also ensure quality is maintained

- Work with Technology team on digitization of processes across functions impacting the Business Lending vertical.

- Maintain quality in various processes with the intention of delivering right customer service without any chance of customer complaints.

- Ideate & recommend new project, process developments that are competitively benchmarked