Territory Head

Job Description

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.

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