To deliver on operational plan in the assigned coverage area in a differentiated manner considering local actors, channel dynamics and consumer preferences, that can withstand competitive pressures on the ground
To grow the business while remaining cognizant of competitive realities in the following areas:
Market linked product
Market average IRR & processing fee levels
To originate and increase market share in assigned coverage area against stiff competition, overcoming competitive pressures borne out of better established networks, price undercutting, etc.
To establish a strong local network and leverage the same to generate business leads, and also identify opportunities for cross sell with existing customers
To constantly upgrade financial & operational know how of self and team members on efficient loan processing, effective negotiation and relationship building for maintaining credibility and profitable target achievement
To keep abreast with the latest market trends and local market preferences and needs
To ensure loan conversion/ sanction/ utilization percentages are high and a broad enough sourcing funnel is built to meet targets
To ensure credit quality and effective portfolio selection / pre-screening thereby minimizing potential NPAs
To ensure compliant sales operations despite sales pressures and market cycles