Area of Responsibility:-

• Lead the team of Branch Managers as well as Area Managers & Regional Managers in the Zone / State and guide them to achieve the Business targets, profitability and productivity targets.
• Innovate, plan & implement new ways & means to increase walk-ins & attract new customers and retain existing ones and to convert non-BEP branches to BEP branches.
• Achieve the targets of the Region for gold loans and other loan products including SD & TPP for various quarters as well as for the financial year (FY) – ensure quality of collaterals/ ornaments pledged.
• Plan & implement at branch level local visibility initiatives and marketing activities.
• Systematic roll out of brand/ product launch lead generation and conversion.
• Timely interest collection by branches and recovery of over dues – minimizing NPA status of accounts as well as auction of gold.
• Ensuring operational efficiency of branches and ensuring systems and procedures are followed by branch staff.
• Ensuring prompt and efficient customer service by branches – prompt resolution of grievances/ customer complaints if any in the region.
• Minimizing loss on account of Spurious/ Low purity and the ornaments and efforts for recovery – follow up of court cases.
• Prompt reporting of any fraud/ any untoward incident/inquiry or investigation by any outside agency to HO Ops Department as well as BBH
• Efficient handling of any incidents of fraud including recovery & prompt action against culprits/filing of police case & follow up of police and all court cases till their logical conclusion.
• Timely rectification of observations of Gold inspector/ internal auditor at branches.
• Recruitment of right persons for the right job to meet the branch requirements & proper assessment of manpower/ redeploying surplus staff.
• To ensure quality training of Staffs, recruitment, employee engagement and retention activities.
• Facilitate line functionaries/ stakeholders in attending staff grievances.
• Minimizing staff attrition Cost optimization- Control of Branch expenses and control on Cash/Bank
• Correction of branch rentals wherever applicable and merger/ shifting of unviable branches.
• Ensuring proper team building at branches, identify training needs and co-ordinate need-based training programs.
• Ensuring qualitative visits to branches by AM & RM team as well as self, follow up of visit reports for effective resolution of all issues including infra and upkeep.
• To deliver against service level agreements for businesses and adherence to Standard operating procedure.
• To deliver quality service to customers, reduce customer complaints and implement innovative customer service initiatives.
• To nurture the team and implement team development/leadership programs

Educational Qualification:- Graduate (minimum), Preferably Master’s Degree in Business Administration

Technical Certification:- Good knowledge of MS Office applications mandatory

Skills Required: 

• Excellent organizational and leadership skills.
• Team management
• Outstanding communication and interpersonal abilities
• Strategic planning skills
• Change Management skills
• Analytical ability

Behavioral Competencies:

• Result oriented
• Self-Driven