Divisional Business Manager Car Loans Hyderabad, Delhi, Siliguri, Cochin

Job Description:

 Ensure profitability of geographic area assigned
 Explore untapped areas of business & formulate strategy in alignment with Circle
Head business plan.
 Optimum budget & resource utilization by creating synergies across pre owned car
loans vertical geographies.

1. Budget & Profitability
 Ensure business targets, disbursement growth and budget fulfillment are met as per
guidelines given by circle head
 Drive profitability and ensure portfolio quality maintenance
 Ensure cost maintenance and reduction
 Identify the methods for achieving the plans through channels and direct marketing in ref.
 Execution of business cycle with the team
 Reviewing the target v/s achievements on a day to day basis of the division under control
 To maintain and achieve targeted IRR
2. People Management
 Providing solutions to the team on various issues at executive level

 Organize manpower as per the business requirements at divisional level
 Ensuring process standardization through Daily Work Management
 In charge of driving different teams and departments to make sure they achieve all the
initial goals
 Ensure to execute all the initiatives taken by higher authority at executive and ABM level
 Appraisal of team members on regular basis and feedback as well as conduct regional
reviews
 Identifying skill gaps & continue training , mentoring & guiding the team
 Improve engagement of department
3. Relationship Management
 Develop Dealers, brokers, DSA, organized channel to achieve business budget.
 Build engagement platform like dealer, DSA, brokers council at state and division and
branch level
 Dealership coverage includes improvement in market share in non-active/low market share
dealers and channels for pre owned car loans business
 Measurement of dealer performances in volume, quality and market share
 Dealer salesman engagement
4. Portfolio Management
 Maintaining portfolio as per guidelines.
 Control on NPA and non starters
 Maintaining OD contract. And reviewing all OD contracts on ABM level.
 Providing support to team for highly volatile customers.
5. Competitors analysis
 Competitors analysis
 Analysis of market share & business growth.
 To study competitors business strategy and best practices on regular intervals and
accordingly device monthly business plan