Area Head - Group Loans

The Area Head - Group Loans position in the Rural Banking department involves the responsibility of maintaining high portfolio quality through efficient sales and collections processes. Your main focus will be on ensuring consistent growth in the portfolio while upholding compliance standards. Your key responsibilities will include sales and collections management of Joint Liability Groups (JLG), Micro Housing Loans (MHL), and related products. You must strive to achieve high collections efficiency across different buckets, with a target of over 99.7% in the current bucket. Additionally, acquiring new-to-bank (NTB) customers while retaining existing ones is crucial. You will be expected to drive portfolio growth by increasing customer numbers and disbursal amounts, all while upholding high compliance standards and conducting regular portfolio checks to minimize governance issues and process lapses. Apart from these primary responsibilities, you will also be accountable for providing excellent customer service to minimize escalations and implementing digital initiatives within the existing product range. As a managerial and leadership role, you will be required to build and lead a high-performance team, providing training to new hires and nurturing existing talent. Continuous guidance and support to your team members to help them progress to the next level will be essential, with a focus on minimizing attrition rates. To be eligible for this role, you should hold a Graduation degree in BA, BBA, B.Com, or B.Sc, along with a Post-Graduation degree in MBA/PGDM. A minimum of 5-10 years of relevant experience is required to excel in this position.,