1. Lead the team of Branch Managers in the Region and guide them to achieve the Business targets, profitability and productivity targets as well as Operational efficacy. 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.
2. Achieve the targets of the Region for gold loans and other loan products for various quarters as well as for the Financial year (FY)- ensure quality of collateral / ornaments pledged.
3. Achieve other business targets including SD and 3rd party products for various quarters as well as FY. Plan & implement at branch level local visibility initiatives and marketing activities. Systematic roll out of brand/ product launch lead generation and conversion.
4. Timely interest collection by branches and recovery of over dues- minimizing NPA status of accounts as well as auction of gold.
5. Ensuring operational efficiency of branches and ensuring systems and procedures are followed by branch staff.
6. Ensuring prompt and efficient customer service by branches- prompt resolution of grievances/ customer complaints if any in the region.
7. Minimizing loss on account of Spurious/ Low purity and theft ornaments and efforts for recovery- follow up of court cases related to these.
8. Prompt reporting of any fraud/ any untoward incident/ enquiry or investigation by any outside agency to HO Ops Department as well as State Head (SH) simultaneously. 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.
9. Timely rectification of observations of Gold inspector/ Internal auditor at branches.
10. Recruitment of right persons for the right job to meet the branch requirements & proper assessment of manpower/ redeploying surplus staff. Facilitate line functionaries/ stake holders in attending staff grievances. Minimizing staff attrition
11. Cost optimization- Control of Branch expenses and control on Cash/Bank balances. Correction of branch rentals wherever applicable and merger/ shifting of unviable branches.
12. Ensuring proper team building at branches , hand holding BM and branch team , identify training needs and co-ordinate need-based training programs facilitate proper marketing activities.
13. Ensuring qualitative visits to branches , follow up of visit reports for effective resolution of all issues including infra and upkeep.
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