Chief Cluster Strategist

2 days ago

Rajkot, Gujarat, India beBeeBusiness Full time ₹ 1,50,00,000 - ₹ 2,00,00,000
Job Overview

This role encompasses the leadership of a cluster, focusing on strategic business development and sales growth.

Key Responsibilities:
  • Business Growth & Strategy:
    • Manage profit and loss (P&L) responsibilities for the cluster's Home Loan and Loan Against Property portfolios.
    • Develop and implement comprehensive business strategies to achieve disbursement targets and enhance market share.
    • Identify new business opportunities and create plans to expand customer bases.
    • Ensure pricing competitiveness, process efficiency, and timely turnarounds to stay ahead of competitors.
  • Sales & Channel Management:
    • Drive sales performance through direct channels, dealerships, and referral partners.
    • Forge strong relationships with builders, real estate agents, and connectors to generate consistent lead pipelines.
    • Monitor branch-level sales activities and provide guidance to improve conversions and cross-selling.
    • Track competitor offerings and adjust go-to-market strategies accordingly.
  • Team Leadership:
    • Lead, mentor, and motivate branch managers, sales managers, and frontline staff across the cluster.
    • Conduct regular performance reviews, set targets, and ensure accountability at every level.
    • Foster a culture of collaboration, high performance, and customer-centricity within the team.
  • Portfolio & Risk Management:
    • Maintain high standards of credit quality by ensuring compliance with underwriting norms and risk policies.
    • Monitor early delinquency trends, non-performing assets (NPAs), and implement effective collection strategies.
    • Partner with credit and risk teams to enhance portfolio health while balancing growth objectives.
  • Customer Experience & Relationship Management:
    • Ensure seamless end-to-end customer experiences from application to disbursement.
    • Drive initiatives to boost customer satisfaction and retention.
    • Act as a brand ambassador for the organization within the cluster, strengthening customer trust and loyalty.
Required Skills & Qualifications:
  • Strong Understanding: Home Loan and Loan Against Property products, processes, and market dynamics.
  • Proven Track Record: Achieving and exceeding sales/disbursement targets.
  • Exceptional Leadership: Inspiring and driving performance among team members.
  • Strong Networking: Building relationships with channel partners and customers.
  • Analytical Mindset: Portfolio management, risk assessment, and MIS reporting proficiency.
  • Effective Communication: Negotiation, problem-solving, and interpersonal skills.
  • High Ownership: Resilience and ability to thrive in fast-paced competitive environments.
Qualifications & Experience:
  • Graduate/Postgraduate Degree: Business Administration, Finance, or related fields.
  • Relevant Experience: 4–7 years in retail lending, focusing on Home Loans and Loan Against Property.
  • Prior Exposure: Managing multi-branch operations or cluster-level responsibility is an added advantage.

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