Abfl-sm-stsl-kolkata

**Key Result Areas: Write the key results expected from the job and the supporting actions for each of these key result areas (For a majority of jobs typically there could be 4- 7 key result areas)**:
**Key Result Areas**

Supporting Actions

Business growth through Channel Management-Effectively grow and manage different types of channel partners to ensure meeting of topline & bottom line targets

Channel types
- Direct Sales Agents
- Online aggregators
- Internal sources that provide qualified leads like marketing department
- Research to scout for potential channel partners
- Gather data for evaluation of potential channel partners
- Meet & support the negotiation of terms of engagement with potential in lines with business potential
- Support in the onboarding of the channel partners
- Constantly engage with & activate channel partners while ensuring targeted ROEs for the channel partners
- Monitor SLAs, sales efficiencies and RoI of channels

Business growth through Customer Acquisition-Acquire customers by selling STSL towards meeting topline targets
- Identify business growth opportunities
- Meet customers along with channel partners
- Organise channel partner, customer visits for seniors
- Check for alignment of cases put up by the channel partners on a daily basis with the internal policies /guidelines
- Negotiate commercial terms
- Appropriate Funnel management to ensure adequate conversion from login and disbursement
- Fulfil qualified leads provided by online aggregators, internal sources

Disbursal& MIS -Timely disbursement of the loans to customers with proper documentation
- Smooth coordination with vendors for timely submission of relevant customer documents
- Coordinate with internal teams and respond to their queries to ensure timely & accurate disbursal
- Complete transactions with customer with appropriate documentation
- Provide inputs to Area Manager for Sales MIS

Market Intelligence-Gather market intelligence towards evolving competitive business strategy, policies & processes
- Gather market intelligence on a regular basis
- Share the market intelligence with Area managers
- Provide suggestions for improvement in processes, pricing, policy etc to Area Managers

Portfolio quality& Risk Management -Maintain quality of portfolio to minimize NPAs
- Liaise with the customers and the Risk team as required to provide regular information required for monitoring the creditworthiness of the proposals
- Manage portfolio activities augmenting and driving alignment with early alert strategies to reduce losses
- Proactively identify risks to maintain portfolio quality
- Track over due account on a daily basis for the business
- Intervene to ensure collection for initial overdue accounts on timely basis
- Collaborate with Collection teams for remaining over due cases & ensure collection on a timely basis

Profitability-Implement measures to ensure profitability
- Focus on sales volume and value (higher yield and margins) by right pricing, cross selling, processing fees
- Implement all cost management initiatives on a timely & accurate basis

Process Efficiency & Operational Effectiveness -Adhere to processes
- 100% Process Adherence for pre & post sourcing processes

Stakeholder Relationships
- Develop relationship with internal stakeholders
- Proactively build and maintain relationships with key internal stakeholders for smooth cross-functional coordination

**Qualifications**:
Any Graduate

**Minimum Experience Level**:
3-5 Years

**Report to**:
NA