Cluster Head

ROLE PURPOSE & OBJECTIVE

• Managing the various business teams to Drive the Third-Party Products business & revenue for the assigned branches in the region. The Area Manager will be responsible for a minimum of 50 branches.
• Focus on Ensuring IRDA certification to all the branches with minimum 4 or more per branch
• Engaging with CBH, RH, AMs, RBMs to deliberate on the Income lines across all the products and Regions Activation

• Co-ordinate with the Area SPOCs of the Insurance Partners for leads, logins, issuances and escalations

• SIZE OF THE ROLE

FINANCIAL SIZE

NON-FINANCIAL SIZE

20 Cr to 50 Cr Portfolio to be managed- TPP

• Handle assigned set of branches and drive TPP Business and Income
• Work with Branches to increase branch profitability

• Reduce income leakage

• KEY DUTIES & RESPONSIBILITIES OF THE ROLE

Business

• Responsible for TPP business generation for the allotted cluster (minimum of 50 branches)
• Responsible to ensure revenue generation from each of the branches of his cluster.
• Responsible to ensure timely roll out of TPP business in all the branches of his cluster.
• Ensure, supervise the correct implementation of the retail business

Customer

• Building relationship with all BMs and drive business through them
• Responsible to ensure that all the Branch Staff in the assigned branches are IRDA certified
• Responsible to coordinate with external Insurance representatives to stay up to date with their recent launches.

Internal process

• Responsible for smooth operation of TPP business in branches
• Responsible to ensure that business is driven through compliant processes.
• Responsible for ensuring implementation of Mandatory Display of the documents

Learning & Performance

• Ensure that all members of his team are up to date on all relevant circulars and all products/services offered in the Branch
• Evaluate the staff competences in terms of promotion, business assessment and credit risk assessment capacity and propose solutions for improvement
• Ensure adherence to training man-days/ mandatory training programs for self and reportees
• Ensure goal-setting, mid-year review and annual appraisal process within specified timelines for self and reportees

• Monitor performance of staff against defined goals/metrics and take corrective action wherever required; undertake disciplinary and attendance monitoring of Housing Loans team.

• MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS

Educational

Qualifications

• Graduate, preferably Post Graduation

Experience

• 10 to 15 years in sales

Functional Skills

• Ability to create teams and drive sales performance. Will be required to take complete ownership of the TPP business at sub-regional level.
• Ability to engage with customers, colleagues & insurance partners
• Ability to plan and coordinate with internal and external stakeholders
• Team Leading Experience is highly preferred
• Ability to speak and read regional language(s)- is desirable. Ability to communicate in English (Read-speak-write) is required. Has good verbal fluency and uses simple, clear and purposeful language.
• Good Computer knowledge.
• Characteristics of Entrepreneurial Behavior Ability to plan, set goals, initiative, persistence, self-discipline, capacity to take risks, produce support networks and assess the market
• Establishes a friendly and professional relationship with the entire team

Behavioral Skills

• Training Skills
• Interpersonal skills ability to handle various types of mindsets and get desired output for meeting banks goal
• Willingness to travel & relocation as per business requirements and career opportunities
• Managing customer relations

• Performance oriented

• KEY INTERACTIONS

INTERNAL

EXTERNAL

• All Business Teams at Regional Level & Corporate Level

• Insurance Partners

• Regional Product Teams

• Vendors

• Audit, Vigilance, Admin & FCU team

• TPP Team