Cluster Manager

1. Target Achievement and Monitoring:

Monitor branch performance and ensure achievement of monthly and quarterly sales and collection targets.

• Ensure highest standard of Professionalism & Integrity. Analyze branch-level reports and provide actionable feedback to branch managers.
• Work in Collaboration with Collection Team to achieve desired collection efficiency.

2. Team Development:

Train and mentor branch managers to improve leadership and operational effectiveness.

Identify skill gaps within teams and propose training initiatives.

• Ensure Sufficient Staffing at all times in all branches.

3. Operational Oversight:

Ensure that branches under supervision follow standardized loan processing and customer engagement protocols.

Conduct regular branch visit & audits to address compliance and operational gaps.

• Daily morning hurdles with Branches.

4. Customer Relationship Management:

Build relationships with high-value customers and address critical escalations.

Guide branches on strategies to improve customer retention and repeat business.

5. Risk Management and Compliance:

Monitor branch activities to ensure alignment with regulatory and internal guidelines.

Address significant risks and provide escalation support to the cluster manager.

• Ensure Compliance as per Branch Compliance Check list on your visit to branches.
• Report any Wrong practices or wrong doings to Supervisor Authorities

Knowledge, Skills, and Experience

Knowledge:

Advanced understanding of secured lending products, branch operations, and compliance standards.

Familiarity with market trends and competitive landscape.

Skills:

1. Leadership and Mentorship:

Ability to develop and coach branch managers effectively.

2. Analytical and Problem-Solving:

Proficient in analyzing performance data and addressing operational challenges.

3. Customer Engagement:

Strong skills in resolving escalated customer issues and driving satisfaction.

Experience:

• 4-7 years in financial sales or one having multi-branch management experience.

Job Dimensions

• Financial Scope: Achieve cluster-level targets through branch oversight (minimum 50 Lacs from each branch on monthly basis). Team Management: Oversee 3-5 branch managers and their teams. Customer Base: Provide strategic guidance for customer acquisition and retention.
• Portfolio Management: Ensuring collections as per Companys Guidelines.