Elevated as Area Head with Asset Desk Managers Chennai and Rest of Tamil Nadu and Kerala Branches reporting for Asset Business.
* Responsible for managing and handling ADMs for their unsecured and mortgages business and meet the overall targets assigned for the location.
* Motivating and driving team towards achieving said budgets as assigned and also liaising with respective Area Heads of product verticals & alternate delivery channels for product & business target delivery and assist the business teams with marketing initiatives.
* Handling Retail and Wholesale asset products of the Bank branch including business banking mortgages and MSME Working Capital and achieving overall productivity and managing team of professionals and ensure branch achieves budgets allocated in all the asset products and also responsible for increasing the branch asset balance sheet.
*Take feedback from front-end teams to ensure customer needs are met through product solutions and provide input for product development.
* Handling Retail asset products of the bank including Personal Loans , Mortgages & Loan against property ( Both Term Loans and Drop line Overdraft),Working Capital Funding including cash credit , overdraft & Non Fund based facilities for SMEs and small corporates, ,Auto loans, Home loans, Loan against Jewelry, Overdraft against securities.
*Managing sales through product delivery channels and also handling sales to HNI portfolio of the branch and sales to HNW portfolios by coordinating with 14 HNI Relationship managers for sales in Wholesale assets and Retail assets and also apart from which indulging in sales to outside portfolio and other MSME corporates for Term Loans , Overdraft and Cash Credit Facilities* Ensure that controls are built into the product delivery process and adherence to guidelines set by internal/ external regulators
*Indulging in corporate promotional activities ,point of contact of corporates for retail asset products analysis of customer and product profitability* Initial product conceptualization with the front-end sales team, develop related systems and operating procedures, on-going product/process re-engineering
* Ensure branch is updated on all offers / policy / interest rates etc
Having good knowledge in Assets,
Candidate should be a Asset Desk Manager