Verified today
Circle Head, Working Capital
About the role
About the Role: The Circle head sets the vision for the circle and develops and adheres to a business plan to attain this vision. They are responsible for maintaining the profit and loss of the location and for the business expansion and growth of the lending book of the area through NTB acquisition as well ETB portfolio, ensure risk compliance and drive sales productivity. The Circle head coordinates with the geography head to ensure that they are able to respond proactively to the business issues and challenges by seeking required guidance and support. Details of the Role: Department CBG Grade AVP/VP Sub-Department SBB- CBG Reporting (Business) VP/SVP I/SVPII Location Reporting (Matrix). Key Responsibilities: · Manage the centre head/RMs and achieve the sales targets across products and channels · Conduct team meetings and set targets to ensure tight control on sales process · Responsible for maintaining the product mix in the business and benchmark yield across location · Responsible for Collections of delinquent accounts and manage quality portfolio · Conduct regular visits to the locations to develop new relationships in the business · Plan/design sales programs, contests and presentations · Manage relations with branch circle Direct Selling Agents and Connector network in the location · Collaborate with appropriate business alliance partners and other distributors to expand the reach of the bank’s products and services. · Actively pursue and close new business opportunities, working closely with Sales Management and Inside Sales Representative to ensure geography-based objectives are being met. · Evaluate market trends and gather competitive information, identify trends that effect current and future growth of regional sales and profitability. · Effectively engage Operations and Risk teams to understand and contribute to overall processes and profitability across locations. ·� Maintain good working environment and high motivation level at across location. Qualifications: ·� Graduation/post-graduation from a recognized institute ·� 12+ sales experience with at least 5+ years in MSME segment. Role Proficiencies: ·� Strong sales orientation ·� Proficiency in managing complex client relationships, diverse stakeholders ·� Knowledge of industry, technology, marketing, and product trends ·� Knowledge of regulatory guidelines and norms ·� Capability to handle pressure and meet deadlines ·� People management & leadership skills to managing large, geographically spread team; coaching and mentoring and building a high performing team. ·� Competence in managing within a dynamic, priority-setting environment ·� Strong risk and compliance mindset ·� Adept at communication and interpersonal skills · Strategic and agile mindset. Refer to the Job Description
What you’ll do
- Set vision and develop business plan for the circle
- Maintain profit and loss and drive lending book growth
- Manage centre head and RMs to achieve sales targets across products and channels
- Conduct team meetings, set targets and ensure tight sales process control
- Maintain product mix and benchmark yield across location
- Oversee collections of delinquent accounts and manage quality portfolio
- Visit locations to develop new business relationships
- Plan and design sales programs, contests and presentations
- Manage relations with Direct Selling Agents and Connector network
- Collaborate with business alliance partners and distributors to expand product reach
- Pursue and close new business opportunities with sales management and inside sales
- Evaluate market trends and gather competitive information
- Engage operations and risk teams to improve processes and profitability
- Maintain high motivation and good working environment across locations
What you’ll bring
Graduation/post-graduation from a recognized institute
Nice to have
- 12+ years sales experience
- 5+ years MSME segment experience