Cluster Manager

HDB Financial Services Ltd. is seeking an experienced and dynamic Cluster Manager for Enterprise Lending in Delhi. The successful candidate will be responsible for overseeing and managing a cluster of branches, driving business growth in the Prime Loan Against Property (LAP) product segment, and leading a high-performing team. This role requires a proven track record in Prime LAP and significant experience in team management within a similar capacity.

Key Responsibilities

• Cluster Management: Oversee the operations and performance of a cluster of branches, ensuring alignment with organizational goals and business targets.
• Business Development: Drive aggressive growth in the Prime LAP product portfolio across the assigned cluster, identifying new opportunities and optimizing existing relationships.
• Team Leadership & Management: Recruit, train, mentor, and motivate a team of branch managers and sales professionals to achieve individual and cluster targets. Conduct regular performance reviews and provide constructive feedback.
• Strategic Planning: Develop and implement effective business strategies for the cluster, including market penetration plans, sales initiatives, and customer engagement programs.
• Portfolio Quality: Monitor and maintain the quality of the loan portfolio, ensuring adherence to credit policies, risk management guidelines, and collection efficiency.
• Operational Excellence: Ensure smooth and efficient branch operations, adherence to compliance standards, and timely reporting.
• Market Analysis: Stay updated with market trends, competitor activities, and regulatory changes to identify challenges and opportunities.
• Customer Relationship Management: Foster strong relationships with key customers and stakeholders to enhance business retention and acquisition.

Qualifications & Experience

• Educational Background: Bachelor's degree in Finance, Business Administration, or a related field. A Master's degree is a plus.
• Experience: Minimum of 10 to 17 years of progressive experience in the financial services sector.
• A minimum of 10-12 years of specific experience in the Prime Loan Against Property (LAP) product is mandatory.
• Proven experience in a similar cluster management or regional management role, overseeing multiple branches.
• Mandatory experience in team handling and leadership with a demonstrated ability to manage and motivate large teams.

Skills:

• Strong understanding of financial products, particularly Prime LAP.
• Excellent leadership, communication, and interpersonal skills.
• Robust analytical and problem-solving abilities.
• Proven track record of achieving and exceeding business targets.
• Ability to work independently and collaboratively in a fast-paced environment.
• Proficiency in Microsoft Office Suite and relevant financial software.