Territory Head - Retail Secured

Branch Sales Planning & Management

• Collaborate with Circle Head (Sales) to devise branch sales plans and team strategies aligned with market and competitive dynamics.
• Cascade sales plans and targets to branch teams and monitor performance.
• Oversee all branch operations including sourcing, governance, productivity, and channel management.
• Track and report sales operations, productivity metrics, and drive a high-performance sales culture.
• Manage day-to-day branch administration and operations.
• Compile and review MIS reports on disbursements, profitability, NPAs, and market expansion for senior management.

Customer Acquisition & Engagement

• Identify local business growth opportunities and drive new customer acquisition to build targeted portfolios.
• Support team in handling complex transactions ensuring customer satisfaction.
• Communicate sales targets, product USPs, and role expectations to enhance sales effectiveness.
• Monitor complaint escalation and resolution processes ensuring timely closure.
• Implement customer satisfaction initiatives based on NPS feedback and approved sales solutions.
• Act as escalation point for key customer grievances.

Operational Effectiveness

• Drive adoption of efficient processes across customer lifecycle including sourcing, approval, servicing, and collections.
• Manage distribution across channels and coordinate with critical partners.
• Enhance process efficiency and reduce turnaround times through cross-functional collaboration.
• Support business growth through monitoring sales productivity and providing guidance.
• Implement best practices to improve overall operational productivity and impact.

Cross-Selling Initiatives

• Lead team activities aligned with the cross-selling strategy defined by Circle Head (Sales).
• Facilitate communication, training, and guidance to ensure cross-selling alignment and effectiveness.

Team & Internal Stakeholder Management

• Guide and mentor team members to improve customer acquisition and sales performance.
• Nominate and support team participation in technical and behavioral training programs.
• Foster smooth cross-functional collaboration with internal stakeholders.

Portfolio & Risk Management

• Partner with Risk, Operations, and Sales Governance teams to ensure compliance with risk controls and operational procedures.
• Support credit approval and loan sanctioning processes maintaining controlled operations.
• Analyze financial risk using MIS and analytics reports.
• Drive compliant sales operations, timely collections, and PDD closures.
• Review client account reports and assist in managing delinquency and NPA risks.
• Train teams on early alert strategies and ensure systematic MIS on portfolio quality and credit trends.